US7827115B2 - Online payer authentication service - Google Patents

Online payer authentication service Download PDF

Info

Publication number
US7827115B2
US7827115B2 US09/842,313 US84231301A US7827115B2 US 7827115 B2 US7827115 B2 US 7827115B2 US 84231301 A US84231301 A US 84231301A US 7827115 B2 US7827115 B2 US 7827115B2
Authority
US
United States
Prior art keywords
customer
issuer
party
cardholder
account
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Expired - Lifetime, expires
Application number
US09/842,313
Other languages
English (en)
Other versions
US20020111919A1 (en
Inventor
Kevin D. Weller
Stephen W. Ryan
Peter R. Hill
Thomas J. Manessis
Tony D. Lewis
Benedicto H. Dominguez
Peter Bray
James Donald Reno
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Visa International Service Association
Original Assignee
Visa International Service Association
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to US09/842,313 priority Critical patent/US7827115B2/en
Application filed by Visa International Service Association filed Critical Visa International Service Association
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION reassignment VISA INTERNATIONAL SERVICE ASSOCIATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: RYAN, STEPHEN W., BRAY, PETER, WELLER, KEVIN D., LEWIS, TONY D., DOMINGUEZ, BENEDICTO H., MANESSIS, THOMAS J., HILL, PETER R.
Priority to US10/156,271 priority patent/US8271395B2/en
Publication of US20020111919A1 publication Critical patent/US20020111919A1/en
Priority to US10/384,735 priority patent/US20030212642A1/en
Assigned to VISA INTERNATIONAL SERVICE ASSOCIATION reassignment VISA INTERNATIONAL SERVICE ASSOCIATION ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: RENO, JAMES DONALD
Priority to US12/419,115 priority patent/US9864993B2/en
Priority to US12/873,869 priority patent/US7991701B2/en
Publication of US7827115B2 publication Critical patent/US7827115B2/en
Application granted granted Critical
Priority to US13/467,700 priority patent/US20120323733A1/en
Priority to US13/467,731 priority patent/US10572875B2/en
Priority to US15/216,516 priority patent/US20160358175A1/en
Priority to US15/818,301 priority patent/US20180075452A1/en
Adjusted expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Images

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355—Personalisation of cards for use
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1016—Devices or methods for securing the PIN and other transaction-data, e.g. by encryption

Definitions

  • the present invention relates generally to financial transactions, and more specifically to authenticating the identity of payers during online transactions.
  • Payer authentication is the process of verifying a cardholder's ownership of an account.
  • the most common method to authenticate a cardholder's ownership of an account occurs routinely at a point of sale during what is called a “card present” transaction.
  • a card present transaction involves a merchant's representative taking the cardholder's card, swiping it though a payment card terminal to verify account status and credit line availability, and then checking to see that the signature on the back of the card matches the purchaser's signature. If the merchant follows specific guidelines for this type of transaction, the merchant will be guaranteed payment for the amount authorized less discount and fees.
  • a service provider such as Visa International Service Organization (or service organization) may provide these specific guidelines.
  • Cards not present” transactions involve payments that are not guaranteed to the merchant. No guarantee is provided primarily because the payers are not authenticated in such non face-to-face transactions, thereby allowing many risks to accompany the “card not present” transactions. Such risks involve issues such as chargebacks of payment transactions to online merchants, fraud for both merchants and cardholders, increased exception item processing expenses for banks, and an increased perception that buying goods and services online is not safe and secure, which may keep some consumers from buying online. Specific examples of risks include the unauthorized use of stolen account information to purchase goods and services online, fabrication of card account numbers to make fraudulent online purchases, and extraction of clear text account information from network traffic.
  • a system for authenticating the identity of the payer in an online transaction would be desirable.
  • Such an authenticating system should be relatively easy to implement and use, require a minimal investment of resources, and provide a high level of interoperability between the system's participants.
  • the present invention is directed towards an online service for authenticating the identity of a payer during online transactions.
  • the present invention is relatively easy to implement and use, requires a minimal investment of resources to implement, and provides a high level of interoperability between the system's participants.
  • the authentication service of the present invention allows a card issuer to verify a cardholder's identity using a variety of authentication methods, such as the use of passwords. Also, the only system participant requiring a certificate is the issuing financial institution.
  • the authentication service can also provide authentication results to the merchant in real time during the checkout process.
  • the invention is directed toward the use of a traditional card, such as credit cards, debit cards, identification cards, etc.
  • a traditional card such as credit cards, debit cards, identification cards, etc.
  • One aspect of the first embodiment pertains to a method for authenticating the identity of a cardholder during an online transaction. The method involves merchants querying a card issuer managed access control server to determine if said cardholder is enrolled in a payment authentication service, requesting a password from the cardholder, verifying said password, and notifying a merchant of the authenticity of the cardholder if the password entered by said cardholder is authenticated.
  • the invention is directed towards the use of an integrated circuit card (also known as a smart card or chip card).
  • an integrated circuit card also known as a smart card or chip card.
  • One aspect of the second embodiment pertains to a method for authenticating the chip card being used by a customer. This method involves verifying that said cardholder client device includes a chip card reader and then prompting said cardholder to enter said chip card into the chip card reader. After the chip card reader receives the chip card, the chip card generates a cryptogram which is then sent to the access control server. The access control server then independently generates a second cryptogram based upon information in the chip card and compares the chip card cryptogram to the second cryptogram. If the two independently generated cryptograms match, then the authenticity of the card is verified.
  • the service of the present invention presents many advantages. For example, the authentication service lays the foundation for establishing guaranteed payments for merchants involved with “card not present” transactions. Additionally, the authentication service will reduce chargebacks, frauds, and exception item processing.
  • FIG. 1 schematically illustrates one embodiment of an infrastructure architecture that can support the Payer Authentication Service (PAS).
  • PAS Payer Authentication Service
  • FIG. 2 illustrates the process through which a cardholder registers with PAS according to one embodiment of the present invention.
  • FIG. 3 illustrates one embodiment of an Internet web page in which a cardholder can enter information during the enrollment process for PAS.
  • FIG. 4 illustrates a PAS authenticated payment transaction according to one embodiment of the present invention.
  • FIG. 5 illustrates an exemplary window that prompts the cardholder for his or her password.
  • FIG. 6 illustrates exemplary messages that are sent during the payment transaction superimposed over the PAS architecture.
  • FIG. 7 illustrates the message flows on the centralized PAS architecture according to a centralized embodiment of the present invention.
  • FIG. 8 illustrates the centralized payment flow that occurs between the cardholder client device, the PAS, and the merchant system, according to the centralized embodiment of the present invention.
  • FIG. 9 illustrates the enrollment flow in the distributed PAS architecture according to a distributed embodiment of the present invention.
  • FIG. 10 illustrates the payment flow in the distributed PAS architecture according to the distributed embodiment of the present invention.
  • FIG. 10A provides a high-level system architecture view of one embodiment of the chip card payer authorization service.
  • FIG. 11 is a flow chart describing one example of a payment transaction using the chip card embodiment of the payer authentication service.
  • FIG. 12 illustrates a system architecture view of the chip card authentication process according to one embodiment of the present invention.
  • FIG. 12A illustrates a detailed flow of messages between the chip card, the cardholder client system, and the issuer's access control server.
  • FIG. 13 illustrates a system diagram of the components utilized in the access control system embodiment of the payer authentication service.
  • FIG. 14 illustrates a telecommunications network suitable for implementing an embodiment of the present invention.
  • FIG. 15 illustrates systems housed within an interchange center to provide online and offline transaction processing.
  • FIG. 16 illustrates another view of the components of the telecommunications network.
  • FIGS. 17A and 17B illustrate a computer system suitable for implementing embodiments of the present invention.
  • PAS Payer Authentication Service
  • PAS is designed to authenticate cardholder account ownership during online purchase transactions. PAS will be used, for example, when a cardholder shops online, adds items to a shopping cart, proceeds to the online merchant's checkout page, and completes the online merchants checkout forms. PAS can also be used in various transactions when a trusted party authenticates the identity of an individual or entity for the benefit of a third party.
  • the trusted party usually accepts legal responsibility for the authentication of the individual or entity to the third party.
  • PAS can be used to authenticate a financial institution's customers when accessing an Internet web site to complete an online form.
  • PAS can also be used in aspects of retail banking such as debit cards, purchase cards, stored value cards, as well as wholesale banking, the medical business, the insurance business, the brokerage business, etc.
  • ID cards can also be used with PAS.
  • AAA may use PAS to authenticate the identity of its customer, or a telephone card company can use PAS to authenticate the identity of the user of a specific card.
  • PAS can perform its authentication processes after the consumer decides to buy his or her desired products or services, for example, after the consumer clicks a “buy” button. PAS can also begin its authentication process at various other times in the consumer's purchase transaction, not only after the “buy” button is clicked.
  • the authentication process is conducted mostly in a transparent mode to the consumer by utilizing software that has been incorporated in several points of a payment network.
  • PAS validates participation by the cardholder and the cardholder's financial institution and then creates a window in which the consumer can confirm his or her identity by requesting a previously registered password from the cardholder. If the identity of the consumer is confirmed, the payment information and notice of the consumer's authentication is sent back to the merchant. Then, as conventionally performed, the payment transaction is processed by the merchant. For example, the merchant may send an order confirmation message to the cardholder's browser.
  • FIG. 1 schematically illustrates one embodiment of an infrastructure architecture 100 that can support the PAS.
  • the architecture is divided into three domains, the issuer domain 102 , the interoperability domain 104 , and the acquirer domain 106 .
  • the issuer domain 102 includes components that are primarily controlled by an issuer.
  • An issuer for example, can be a financial institution that issues payment cards to consumers.
  • an issuer, or a card issuer personalizes new cards received from a card supplier and then issues these cards to its customers. Personalization may also be performed by the card supplier or by a personalization bureau.
  • an issuer may be any suitable issuing entity such as telecommunications network operator, a service association, a merchant or other organization, or even an agent acting for an issuer.
  • the acquirer domain 106 includes components that are primarily controlled by an acquirer.
  • An acquirer for example, can be a financial institution that enrolls merchants in the payment scheme and manages the accounts of merchants. The acquirer also routes information from an online merchant to the telecommunications network.
  • the interoperability domain 104 is supported by the Internet and includes components used by both the issuer and the acquirer.
  • the interoperability domain 104 is typically managed by the card scheme manager such as Visa.
  • the interoperability domain 104 can also be supported by a network other than the Internet.
  • the issuer domain 102 includes an enrollment site 108 , an issuer cardholder system 110 , the cardholder client device 122 , an enrollment server 112 , an access control server 114 , an issuer or third party identity authentication component 116 , and an account holder file 118 .
  • the issuer domain 102 can include an issuer file of approved cardholders 120 .
  • the enrollment server 112 is a computer that manages cardholder enrollment into the PAS service through presenting a series of questions via a web interface to be answered by the cardholder and verified by the issuer. As shown in FIG. 1 , the card issuer operates the enrollment server 112 . However, a service organization, such as Visa, may operate the enrollment server 112 on behalf of the issuer.
  • the issuer may use a web-enabled, interactive “identity authentication service” provided by a third party during the enrollment process to help validate a cardholder's identity.
  • the enrollment server 112 is connected via the Internet to the Internet Payment Gateway Service 124 , which is in turn, connected to a telecommunications network 126 , for example, VisaNet.
  • the Internet Payment Gateway Service 124 allows the enrollment server 112 to communicate with the telecommunications network 126 .
  • the connection via the Payment Gateway Service 124 allows the enrollment server 112 to query the issuer's authorization system 138 to determine if a cardholder being enrolled has an active card account.
  • Enrollment site 108 is an Internet web site where the cardholder can register to participate in the PAS.
  • the access control server (ACS) 114 is a computer that has a database of cardholders registered for PAS containing cardholder account and password information. During an online payment transaction, the access control server 114 provides digitally signed receipts to merchants, controls access to PAS, and validates cardholder participation in the service. The card issuer or a service organization, such as Visa, on behalf of the issuer may operate the access control server 114 . While PAS does not require any additional cardholder software to be used, optional cardholder software and hardware may be deployed. The cardholder software may be used to support additional authentication techniques such as digital certificates, integrated circuit cards (chip cards) and chip card reader, or to verify that the ACS is properly associated to the appropriate cardholder client device.
  • Account holder file 118 is a issuer managed database for storing information relating to the cardholders that are successfully enrolled in PAS.
  • Cardholder client device 122 is used by the cardholder to participate in PAS.
  • the cardholder client device 122 can be any device capable of accessing the Internet, such as a personal computer, mobile telephone, a personal data assistant, or an interactive cable television.
  • the issuer cardholder system 110 is an issuer controlled system containing information about cardholders. This system information contains information concerning account information, services utilized by the cardholder, etc. Some of the information within the issuer cardholder system can be used in the process for enrolling cardholders in the PAS.
  • Issuer or third party identity authentication database 116 contains information that the issuer or third party already has on file regarding cardholders.
  • Database 116 is used by issuer in the process of enrolling cardholders to verify the identity of the cardholders. For instance, information entered by cardholders during the PAS registration process must match the information already on file in the authentication database 116 in order for cardholders to successfully register for PAS.
  • Third parties can be companies such as Equifax.
  • the interoperability domain 104 includes a directory server 128 , a receipt file 130 and a receipt manager 131 .
  • Directory server 128 routes authentication requests from merchants to specific access control servers.
  • the directory server 128 is operated by a service organization, such as Visa.
  • the receipt file 130 and receipt manager 131 store signed receipts for each authenticated purchase transaction.
  • the receipt file 130 contains information that verifies which transactions were authenticated and provides additional information during dispute resolution processes.
  • the receipt file 130 and receipt manager 131 are operated by a service organization.
  • the issuer, Acquirer, or merchant may also maintain a copy of the digitally signed receipt.
  • Acquirer domain 106 includes the merchant 132 and the validation server 136 .
  • a merchant plug-in software module 134 resides at the location of the merchant 132 .
  • the merchant plug-in software module 134 is a PAS software module that integrates into a merchant's electronic commerce web sites.
  • the plug-in software module 134 provides the interface between the PAS and the merchant's payment processing software.
  • the validation server 136 verifies the digital signature of the card issuer used to sign the receipt returned by PAS to the merchant during the payment transaction.
  • the functionality of the validation server 136 may be included within the merchant plug-in software module 134 , thus eliminating the need for a separate validation server 136 .
  • the validation server 136 is operated by the merchant, the acquirer or by a service organization.
  • the infrastructure of the PAS may be implemented in two separate architectural approaches.
  • One approach is a centralized architecture and the second is a distributed architecture.
  • the centralized approach requires no software or data to be stored on the cardholder's client device.
  • PAS software exists on the cardholder's client device. This software is downloaded by the enrollment server to the cardholder client device during the enrollment process.
  • the merchants determine a cardholder's participation in the PAS through a mechanism provided by the cardholder's system client device.
  • a vendor, a PAS software supplier could choose to create the centralized, distributed, or a combination of the two architectures depending upon the vendor's or their customer's specific business requirements.
  • FIGS. 7-10 will provide further detail as to centralized and distributed architectures.
  • the distributed architecture requires software to be stored on the cardholder client device.
  • the distributed PAS provides a mechanism for a cardholder to transfer payment applications and persistent data from one cardholder client device to another cardholder client device. This mechanism provides PAS with the ability to authenticate a cardholder's identity when the cardholder client device is a different client device from the client device that the cardholder accessed during the registration process.
  • the PAS system is also capable of authenticating the cardholder's identification when the current cardholder's client device is one that the cardholder had not used previously. In other words, cardholders can use PAS on more than one client device.
  • PAS can interoperate with other cardholder applications, such as electronic wallets, and PAS can operate compatibly with electronic commerce mark-up language (ECML Software).
  • PAS also provides capabilities to implements dispute resolution procedures. For instance, the PAS allows the merchant to retain sufficient information to provide proof of cardholder authentication for the purposes of dispute resolution and chargebacks.
  • Setting up the PAS involves set up procedures for all the participants within the system. These participants include entities such as the merchants, financial institutions, and cardholders. First, the set up procedures of the online merchants and financial institutions will be described, and then the set up procedures for cardholders will be described.
  • plug-in software module 134 Online merchants who sign up with the PAS receive merchant plug-in software modules, such as plug-in software module 134 in FIG. 1 .
  • the plug-in software module should be specific to the computing platform and commerce server software used by the merchant. Financial institutions participating within PAS will provide bank logos and marketing designs to be incorporated into their customized PAS enrollment site template. Acquirers should also provide merchants with a service organization certification authority (CA) root certificate, a service organization certification authority SSL certificate for client authentication, and integration support.
  • CA service organization certification authority
  • the issuer can provide to the PAS the cardholder authentication information for pre-loading into the account holder file 118 .
  • Pre-loading facilitates large volume support of cardholders. For example, when an issuer desires to activate all or most of its cardholders for PAS, the issuer can send PIN numbers to all of its cardholders. The PIN number can then be used by each cardholder to access his or her preloaded passwords. In this manner, the enrollment process is expedited because each cardholder need not go through the formal PAS enrollment process. After the cardholders use their preloaded password for the first time, the cardholders have the option of designating a new and easier to remember password.
  • Cardholder authentication information includes information such as business identification, country code, card account number, card expiration date, cardholder name, issuer-specific authentication data specified in the “participating BIN” data (e.g., mother's maiden name), and other information such as billing address, shipping address, social security number, telephone number, account balance, transaction history, and driver license number. Issuers should also provide account number ranges for their card account portfolios and access control server IP addresses (URLs) to the directory server.
  • PAS will be offered through bank branded web-sites, which will allow cardholders to register with PAS.
  • FIG. 2 illustrates the process through which a cardholder registers with PAS according to one embodiment of the present invention.
  • cardholders visit an enrollment server Internet web site maintained by a financial institution, such as an issuer.
  • Cardholders register with PAS by registering their credit card account numbers. Alternatively, cards such as check and debit cards may also be registered.
  • cardholders may register one or more cards with PAS.
  • the cardholder enters information such as a cardholder primary account number (PAN), name and card expiration date. Additional information may also be entered by the consumer at this point. For instance, address, e-mail address, shopper identification, an account verification value, cardholder-specific password, and issuer-specific authentication information may also be entered by the cardholder. This information can be entered in a page at the enrollment web site such as page 300 shown in FIG. 3 .
  • PAN cardholder primary account number
  • PAS verifies that the cardholder PAN falls within a card range that is registered by the issuer in the directory server 128 of the Interoperability domain 104 .
  • the PAS can verify cardholder identities using various methods. First, as just mentioned, the PAS can verify the cardholder identity through a third party authentication database or through the issuer's own authentication database. Additionally, verification can be performed by using the issuer provided file of approved cardholders 120 , by transmitting status check authorizations to the issuer, and by comparing responses to pre-loaded information provided by financial institutions.
  • the enrollment is rejected and the enrollment process is terminated. If the PAN is within an issuer enrolled card range, an authorization for one dollar will be submitted through a service organization payment network, such as VisaNet, to the issuer financial institution.
  • the authorization of the one-dollar transaction allows the issuer to verify the card account status, verify the address using the Address Verification Service, and verify the Cardholder Verification Value 2 (CVV2).
  • the CVV2 is a three-digit number printed on the signature strip on the back of the payment cards.
  • the cardholder will then be prompted for additional authentication information to verify the cardholder's identity in an interactive, real-time, online session.
  • the cardholder can also be requested to enter a password and a “hint question and response” pair that will be used to authenticate the cardholder during the purchase transaction.
  • step 4 when the cardholder's identity is verified and the appropriate responses are returned, PAS sends an authorization message to the issuer financial institution.
  • step 5 the enrollment server 112 passes cardholder information to the access control server 114 to set up records in the account holder file 118 .
  • the account holder file such as account holder file 118 in FIG. 1 , can store information such as: financial institution BIN numbers, account numbers, expiration dates, first and last names, driver's license numbers, billing addresses, social security numbers, cardholder passwords, cardholder password questions, cardholder password answers, cardholder email addresses, third party identity scores, and other information.
  • the cardholder can be asked to enter a phrase, called the personal assurance message (PAM), that is recognizable to the cardholder.
  • PAM personal assurance message
  • PAM is later presented to the cardholder by the issuer during a payment transaction. Since only the issuer knows the cardholder's designated PAM, the cardholder can be assured that a dialog window used with PAS was delivered from the cardholder's issuer.
  • An example PAM is, “the sky is blue.”
  • cardholders require no new client software or devices to use PAS.
  • chip card implementations of PAS may require additional cardholder components such as a chip card reader.
  • the consumer registration process utilizes security protocols such as SSL channel encryption to protect data transmitted across the internet between the cardholder and the enrollment server.
  • each financial institution may display its own “terms of use” and/or “data privacy policy.”
  • Each financial institution has the ability to require registering cardholders to either accept or not accept the terms and policies in order to complete the registration process.
  • the version numbers of the “terms of use” and/or the “data privacy policy” accepted by each consumer should be saved by the financial institutions.
  • a payment transaction may be authenticated utilizing PAS.
  • a PAS authenticated payment transaction is illustrated in FIG. 4 .
  • a cardholder visits a merchant's electronic commerce site on the Internet. After the cardholder selects the products or services he or she wishes to purchase, the cardholder begins the checkout process, completes the checkout form, and then clicks on a “buy” button.
  • the merchant plug-in software module is activated and then performs a verification process to determine whether the cardholder's specific account is registered with the PAS.
  • a verification process to determine whether the cardholder's specific account is registered with the PAS.
  • the merchant plug-in software module can determine if the cardholder is registered with PAS. For instance, a two-step process in which the directory server and then the ACS accociated with the cardholder is checked, a process where only the ACS is checked, and a method in which the merchant can check a cache memory containing the same information held in the directory server.
  • the merchant plug-in software module identifies the card account number and queries the directory server 128 to verify that the account number is within a range of numbers associated with an issuer bank that is a PAS participant. If the account number does not fall within a range of account numbers defined on the directory server 128 , then the issuer and thereby its cardholder are not registered with the PAS. In this case, the merchant is notified that the account number is not registered with PAS and the merchant plug-in software module returns control of the transaction back to the merchant storefront software. At this point, the merchant storefront software can proceed with the transaction, as it normally would, refuse further service to the cardholder, or proceed with alternative payment methods.
  • the second step of the verification process begins.
  • the second step of the verification begins by the directory sending the ACS capable of authenticating the cardholder the card number to determine if the card is enrolled. If the card is not enrolled, the enrollment process is terminated. If the ACS indicates that the card is enrolled, the ACS via the directory server returns its URL Internet address to the merchant plug-in. The merchant plug-in then invokes the ACS via the cardholder client device and its resident browser. Once again it is noted that there can be multiple ACS's in PAS.
  • a second method of checking to see if the cardholder is registered with PAS is for the merchant plug-in software module to directly query the ACS without first querying the directory server.
  • the third method is for the merchant to have a cache memory containing the same information held at the directory server. In this manner, the merchant can at least do a preliminary check.
  • the ACS displays a bank branded window to the cardholder.
  • the bank branded window contains basic payment transaction information and prompts the cardholder for his PAS password. See FIG. 5 for an exemplary window 500 that prompts the cardholder for his or her PAS password.
  • the cardholder enters his or her password and the ACS verifies the password. As is common today, the cardholder can be given a certain number of attempts to correctly enter the password. If the cardholder is unable to correctly enter the password, then the cardholder can be prompted with the hint question that was established during the cardholder's registration process. Preferably, the cardholder is given one chance to enter the correct answer in response to the hint question.
  • the payment authentication continues if the correct password is immediately entered or if the correct response is provided by the cardholder to the hint question within the allowed number of attempts.
  • the ACS then proceeds to digitally sign a receipt using the issuer's signature key or a service provider's key. This receipt will contain the merchant name, card account number, payment amount, and the payment date.
  • the receipt file 130 stores the following transaction data: merchant name, merchant URL, card account number, expiration date, payment amount, payment date, the issuer payment signature and the cardholder authentication verification value.
  • the ACS redirects the cardholder back to the merchant plug-in through the cardholder browser. At this point, the ACS also passes to the merchant the digitally signed receipt and the determination as to whether the cardholder has been authenticated.
  • the validation server 136 in the acquirer domain 106 , is used by the merchant plug-in 134 , to verify the digital signature used to sign the payment receipt. After verifying the digital signature, the cardholder is deemed “authenticated.” In some embodiments of the invention, after the transaction is completed, the cardholder will also have the ability to re-register his or her card account and create a new password to be used for future online purchases.
  • step 4 initiates the process for authorizing the specific cardholder's account.
  • the merchant through the merchant plug-in software module, sends an authorization message to a payment network such as VisaNet.
  • the payment network forwards the authorization message and the ECI to an issuer financial institution.
  • the authorization message is a message as is commonly known in the art.
  • the authorization message is sent to the issuer so that the issuer financial institution can verify to the merchant that a specific account is in good standing and has adequate credit line for the requested purchase amount of the payment transaction.
  • the ECI indicates that the transaction was completed over the Internet and indicates that level of message security (i.e., channel encryption (SSL), in the clear) and authentication used.
  • level of message security i.e., channel encryption (SSL), in the clear
  • the merchant is capable of providing additional information along with the authorization message.
  • the following information can also be sent: a flag indicating if the cardholder was successfully authenticated, account information, digital signatures, a cardholder verification value 2, card authentication verification value (CAVV), an offline PIN authenticated by chip card EMV cryptogram, and the necessary fields to provide the merchant with guaranteed payment.
  • CAVV card authentication verification value
  • the CAVV is data is created by the ACS which authenticated the cardholder and is a unique value for a given payment card and a specific payment transaction from that card. It is used by PAS card issuers to uniquely identify authenticated payment transaction if any subsequent disputes occur.
  • control of the purchase transaction is then returned to the merchant's storefront software via the payment network.
  • the issuer then returns the authorization response via the payment network to the merchant.
  • the issuer financial institution will either authorize or decline the transaction.
  • the authorization messages can be batched and sent in a group at a later time.
  • the PAS authentication information is also included in the batch authorization messages.
  • the access control server 114 is capable of various other functions.
  • the access control server can deactivate registered accounts from the database. Accounts can be deactivated manually, by the cardholder, or by the issuer.
  • the access control server 114 can also provide a simplified renewal registration process when the cardholder receives a replacement card.
  • the access control server 114 can support multiple users of the same registered account with unique access control information.
  • the access control server 114 can validate the user as an authorized cardholder of the registered account through one or more of the following mechanisms: pass phrase, digital signatures, an online PIN number, or and off-line PIN authentication by chip card EMV cryptogram.
  • the merchant 132 can interoperate with existing systems where the merchant has the cardholder account information on file, interoperate with existing merchant authorization and clearing systems, support third parties who provide services to multiple merchants, support a variety of payment interfaces between the merchant and the acquirer, and minimize the mandatory impact to payment network authorization messages from the acquirer when setting the value of the electronic commerce indicator (ECI).
  • ECI electronic commerce indicator
  • One method for routing transactions from the merchant to an access control server is to have a directory that provides the address of the server based on the cardholder account number.
  • the PAS requests for routing information is only acceptable from authenticated merchants. If PAS detects and reports activity from a merchant that exceeds its normal activity, then PAS is able to deny access to a merchant whose acquirer indicates that such access is no longer valid. This could be the case when merchant fraud is deemed probable.
  • Merchant authentication to the PAS system can be deployed, but deployment is not required. Merchant authentication can help minimize merchant fraud.
  • FIG. 6 illustrates exemplary messages that are sent during the payment transaction superimposed over the PAS architecture.
  • the purchase transaction begins when a cardholder visits a merchant website via a browser and selects items to purchase.
  • the merchant's payment system will ask the cardholder to enter his or her payment information.
  • entry of the payment information should occur in a secure environment, for example, through the use of SSL encryption protocol.
  • the merchant's payment system invokes the PAS merchant plug-in software module 134 .
  • the plug-in software module 134 checks the directory server 128 for the specific URL of the ACS that may contain the cardholder's Payer Authentication Number (PAN) to validate that the cardholder is enrolled in the service. Alternatively, the plug-in software module 134 checks its own cache memory that contains this information. The software 134 searches for the PAN by formatting a VerifyEnrollmentReq message using the cardholder PAN. If not already established, the merchant plug-in software 134 will establish a secure connection with and authenticate itself to the directory server 128 or the access control server 114 . The merchant plug-in software 114 will search for a card range entry that corresponds to the cardholder PAN at various locations. One place that is searched is the merchant plug-in software cache of directory information. The merchant plug-in software module can also check the directory server and the access control server.
  • PAN Payer Authentication Number
  • the VerifyEnrollmentReq message is transmitted to the access control server 114 either directly, as shown by line 1 b , or after first passing through the directory server 128 , as shown by line 1 a .
  • the directory server 128 searches for a record corresponding to the cardholder PAN contained in the VerifyEnrollmentReq message.
  • the directory server 128 On unsuccessful match, the directory server 128 will format a VerifyEnrollmentRes message with no URL value(s) and set the value of Status of PAN Enrollment or VerifyEnfollmentRes-Status to “N.” The VerifyEnrollmentRes message is then returned to the merchant plug-in software.
  • the directory server 128 upon successful match, the directory server 128 will, if not already established, establish a secure connection with and authenticate itself to the access control server URL. Then, the VerifyEnrollmentReq message is forwarded to the access control server URL. If that URL is not available, the merchant plug-in should proceed to the next access control server URL value (if available), and allow for up to a maximum of up to five access control server URL's to be searched.
  • VerifyEnrollmentRes message is returned to the merchant plug-in with VerifyEnrollmentRes-Status set to “N” to indicate to the merchant that the purchase transaction cannot be processed as a PAS transaction.
  • the access control server 114 After the VerifyEnrollmentReq message is received by the access control server 114 , the access control server accepts the cardholder PAN from the VerifyEnrollmentReq message and validates it against the account holder file 118 . The access control server 114 then formats a VerifyEnrollmentRes message. In the case where a successful match occurs, the access control server sets the Status of PAN Enrollment to “Y,” creates a single use proxy PAN, which the access control server 114 will internally associate with the PAN, and populates the URL field(s) in the VerifyEnrollmentReq message.
  • the access control server sets the Status of PAN Enrollment to “N.” Then, as shown by line 2 a , the access control server returns a VerifyEnrollmentRes message back to the merchant plug-in through the directory server 128 . For the case when a VerifyEnrollmentReq message is transmitted directly to the access control server, the VerifyEnrollmentRes message is transmitted directly back to the merchant plug-in as shown in line 2 b.
  • Caching of the directory server 128 can be facilitated by utilizing a CRReq and CRRes message pair.
  • the CRReq message is sent from the merchant plug-in module to the directory server and requests the list of participating card ranges, in order for the plug-in module to update its cache.
  • the CRRes message is the response containing the participating ranges.
  • the PAS system checks to see if the cardholder client device has distributed authentication capabilities by using a QueryCardholderReq and QueryCardholderRes message pair.
  • the merchant plug-in will format and send a query, the QueryCardholderReq message, to the cardholder client device 122 to determine if a distributed PAS cardholder module is resident. Sending of the QueryCardholderReq message is shown in FIG. 6 by line 3 . If any distributed authentication options are returned in the QueryCardholderRes message, the merchant plug-in will communicate directly with the PAS cardholder client software to perform the authenticated steps. Sending of the QueryCardholderRes message is shown in FIG. 6 by line 4 .
  • VerifyEnrollmentRes-Status has a value not equal to “Y,” then the merchant is notified that the purchase transaction cannot be processed as a PAS transaction. However, if the VerifyEnrollmentRes-Status has a value of “Y,” then the merchant plug-in will format a payment request message, PAReq. The merchant plug-in will send the PAReq message via the cardholder client device browser to the issuer's ACS server, as is shown by line 5 .
  • the VerifyEnrollmentReq and VeirfiyEnrollmentRes messages may be eliminated.
  • Cardholder client software could be deployed with issuer's ACS URL embedded in the software.
  • the merchant plug-in will complete the QueryCardholderReq and QueryCardholderRes messages first. If PAS cardholder client software is detected, the Payer Authentication Request (PAReq) message could be sent to the ACS or the cardholder client software without having to conduct the VerifyEnrollmentReq and VerifyEnrollmentRes messages.
  • PAReq Payer Authentication Request
  • the ASC displays a window to the cardholder.
  • the window displays the payment details contained in the Payer Authentication Response (PARes) in addition to other items such as: a Issuer's logo, a service organization mark or brand logo, merchant name, merchant location (URL), total purchase amount and currency, purchase date, card number, installment/recurring payment terms, order description or link to description, special terms and conditions of sale or link to this information, personal assurance message (PAM), and prompt for the cardholder's password.
  • PARes Payer Authentication Response
  • the ACS will then prompt the cardholder to enter the appropriate password.
  • the ACS accepts the cardholder input and validates it against the account holder file 118 .
  • the PAS will allow, for example, a number of unsuccessful attempts (e.g., three attempts) to enter the correct password. Of course, the number of attempts allowed can be varied.
  • the PAS will display the hint question.
  • the cardholder will need to enter the correct hint question response.
  • the hint question associated with the cardholder is then displayed.
  • the cardholder is provided at least one attempt to enter the correct response. If the cardholder provides an incorrect response, merchant can be notified that PAS transaction cannot be completed. If the cardholder provides the correct response, the transaction should be treated as if the password was matched. Note, if there is more than one entry for an account number, the various cardholder names are displayed in a drop down window. The cardholder can then select his or her name.
  • the ACS Upon matching of the password, the ACS generates and digitally signs a payment response message, PARes.
  • the ACS also generates and sends a SaveReceipt message to the receipt file 130 and receipt manager 131 , as is shown by line 7 .
  • the SaveReceipt message may also be passed from the receipt file 130 to the issuers authorization and settlement system 138 to allow the issuer to match up the payment authorization request with the payer authenticated transaction in real time. Sending the SaveReceipt message to the issuers authorization and settlement system 138 allows the issuer to determine simultaneously if the authorization request is for an authenticated purchase.
  • the ACS will then re-direct the signed PARes back to the merchant server plug-in, as is shown by line 6 .
  • the plug-in After signed PARes is transmitted back to the merchant plug-in, the plug-in is reactivated. If the authentication status is a “Y,” the plug-in sends the PARes to the validation server 136 . In the case that the validation server functions are provided by the merchant plug-in, the merchant plug-in validates the PARes signature and returns the result of the signature validation. If the signature cannot be validated, the merchant plug-in will notify the merchant the transaction cannot be treated as a PAS transaction. If the authentication status is a “N,” the merchant should send a prompt to the cardholder asking for additional information, request the cardholder to use a different payment card or form of payment, or process the payment transaction as a non-authenticated payment transaction.
  • the validation server 136 validates the signature on the PARes.
  • the validation server 136 then returns the result of the signature validation to the merchant plug-in.
  • the merchant proceeds with an authenticated payment authorization.
  • the PARes message may also be passed from the merchant to its acquirer payment processor 140 as shown in line 6 a .
  • the PARes message may then be passed from the acquirer through a telecommunications network 142 to the issuer.
  • the payer authentication results are made available to the issuer as part of the standard payment authorization process.
  • all the channels of transmission are preferably encrypted using 128-bit SSL.
  • the channel between the cardholder and the merchant includes two channels.
  • the merchant should secure the connection that is used when the cardholder enters the payment information by using an SSL certificate obtained from a service organization-approved certificate authority.
  • the merchant should also secure the connection used to transport the PARes message from the cardholder to the merchant plug-in by using an SSL certificate obtained from a service organization-approved certificate authority.
  • the channel between the cardholder and the ACS should be encrypted by the ACS by using an SSL certificate obtained from a service organization-approved certificate authority. This channel is used for two purposes. First to send the PAReq message from the merchant plug-in to the ACS, and secondly to send the signed PARes message from the ACS to the cardholder.
  • the channel between the cardholder and the enrollment server should be encrypted by the enrollment server using an SSL certificate obtained from a service organization-approved certificate authority. This channel is used to accept the cardholder enrollment information.
  • the channel between the merchant and the directory server, and between the directory server and the ACS server should be secured through a service organization-issued SSL encryption certificate in order to protect the PAN data contained in the VerifyEnrollmentReq and VerifyEnrollmentRes messages and the ACS URL address contained in the VerifyEnrollmentRes message.
  • the channel between the ACS to the cardholder should be encrypted to protect the prompt for the cardholder's password and the cardholder entered password.
  • This channel should be protected with an SSL certificate obtained from a service organization-approved certificate authority.
  • FIGS. 7 and 8 illustrate a centralized architecture and FIGS. 9 and 10 illustrate a distributed architecture.
  • FIGS. 7-10 also show the superimposed representations of the message flows during both the enrollment and payment processes.
  • the centralized enrollment process begins at step 1 when the cardholder goes to the bank Internet site and the specific enrollment page to register with PAS.
  • the enrollment server 708 presents the cardholder with authentication questions.
  • the cardholder answers the authentication questions and provides the required password.
  • the enrollment server then validates the answers through a validation process in step 4 .
  • the result of the validation process is returned to the enrollment server 708 in step 5 .
  • databases and directory servers are updated.
  • the cardholder is informed whether or not his or her registration has been confirmed.
  • FIG. 8 illustrates the centralized payment flow that occurs between the cardholder client device 702 , PAS 704 , and the merchant system 720 , according to one embodiment of the present invention.
  • PAS 704 is shown to include a directory server 710 , the ACS server 712 , and a receipt database 714 .
  • the merchant server includes a storefront software program 722 , a PAS provided merchant plug-in software module 724 , and a payment system 726 .
  • the centralized payment flow begins when the cardholder shops at the merchant's electronic commerce web site at step 1 .
  • step 2 shows that the merchant plug-in module 724 checks to see if the cardholder has been enrolled in the directory server 710 .
  • the directory server returns the URL address of the issuer's ACS server to the merchant plug-in.
  • the merchant plug-in module 724 sends a PAReq message to the ACS 712 .
  • the cardholder eventually enters his or her password.
  • a digitally signed PARes message is sent to the merchant plug-in module from the ACS 712 informing the merchant that the transaction is authenticated.
  • the status of the transaction is sent to the payment system 726 in step 5 .
  • the merchant's storefront software 722 sends the payment data to the payment system.
  • FIG. 9 illustrates the enrollment flow in the distributed PAS architecture according to one embodiment of the present invention.
  • the distributed architecture stores software and/or data on the cardholder's system.
  • merchants determine a cardholder's participation in the PAS through a mechanism within the PAS cardholder module on the cardholder client device.
  • the distributed architecture 900 includes at least the cardholder client device 902 , which includes an Internet browser 904 , and PAS 906 , which includes an enrollment server 908 . Note that in the distributed approach, there is no directory server.
  • the enrollment process begins when a cardholder goes to the bank specific Internet enrollment page to register with PAS in step 1 .
  • step 2 the cardholder is presented with authentication questions.
  • step 3 the cardholder returns answers to the authentication questions to the enrollment server 908 .
  • the cardholders answers are validated in step 4 through a validation process.
  • the results of the validation process are returned to the enrollment server 908 in step 5 . If the cardholder is validated, then a cardholder software module 910 and a certificate are provided to the cardholder in step 6 . These are down-loaded across the internet from the enrollment server.
  • FIG. 10 illustrates the payment flow in the distributed PAS architecture according to one embodiment of the present invention.
  • the merchant module 950 includes the storefront software 952 , the merchant plug-in software module 954 and the payment system 956 .
  • the payment process begins, as usual, in step 1 when a cardholder shops and proceeds to checkout at a merchant's electronic commerce web site.
  • step 2 the merchant checks to see if the cardholder software module 910 is present in the cardholder's client device. If the cardholder software module 910 is present, the merchant module 954 sends a PAReq message to the cardholder software module 910 , rather than an ACS as in the centralized architecture.
  • the cardholder PAS software module which knows the internet URL address of its issuer's ACS server, passes on the PAReq message to the ACS server.
  • the ACS server dialogs with the cardholder module to ask the cardholder for his password. If the password supplied by the cardholder compares equal to the password for the same cardholder on the AHF, the cardholder is authenticated. Then the ACS server responds with the PARes message to the merchant module in step 4 .
  • the status of the authentication process and the associated data is sent to the payment system 956 in step 5 .
  • a receipt of the transactions is sent to the receipt database 960 in step 6 .
  • To conclude the transaction and the payment data are sent to the payment system from the storefront in step 7 .
  • a chip card embodiment of the Payer Authentication Service involves a cardholder using an integrated circuit card (also known as a chip card or a smart card) and a chip card reader.
  • the chip card embodiment adds another level of authentication in an online purchase transaction.
  • the chip card embodiment of PAS also provides the ability to authenticate that the cardholder actually has possession of his or her chip card.
  • the chip card embodiment can also use the PAS to authenticate the cardholder as described previously in this document in addition the authenticating the card.
  • Two techniques may be used to provide the PAS password to the ACS.
  • the chip card credit and debit application of the chip card prompts the cardholder to type in their PAS password.
  • the cardholder enters in the password in a similar way as described previously.
  • the password is then forwarded to the ACS.
  • the set up procedures and the authentication process for the chip card embodiment are the same as for the traditional card embodiment.
  • the differences between the chip card embodiment and the traditional card embodiment will be evident in the description that follows.
  • FIG. 10A illustrates one embodiment of the chip card payer authorization service architecture.
  • FIG. 11 provides a general description of the PAS chip card and cardholder authentication in an authenticated payment transaction.
  • FIG. 12 illustrates a combination of a system architecture layout along with superimposed process flows.
  • FIG. 12A illustrates a more detailed flow of messages during a payment transaction using a payer authentication service with a chip card.
  • FIG. 13 is used to illustrate a different embodiment of the chip card payer authentication system. Specifically, FIG. 13 illustrates the chip card embodiment with an added feature of the Access application that is used to control access to the various applications that may be on a chip card.
  • FIG. 10A provides a high-level system architecture view of one embodiment of the chip card payer authorization service.
  • the payment transaction begins when the cardholder accesses a merchant's electronic commerce web site using a cardholder client device 122 .
  • the cardholder client device 122 contains a chip payer authentication client plug-in 1542 and is connected to the issuer access control server 114 , which has a chip payer authentication ACS plug-in 115 .
  • the issuer ACS 114 is connected to an account holder file 118 , which is in turn connected to a receipt file 130 .
  • the merchant 132 uses a merchant plug-in software module 134 to participate in the payer authentication service.
  • the merchant 132 is connected to the directory server 128 , the validation server 136 , and the acquirer payment processor 182 .
  • the acquirer payment processor 182 is connected to the payment network 126 , which is in turn connected to the issuer 180 .
  • FIG. 11 illustrates a flow chart that provides a general description of a payment transaction using the chip card system.
  • the payment transaction begins at block 1100 when a cardholder shops at an online merchant web site and desires to conclude the shopping experience at the checkout web page.
  • the PAS verifies that the cardholder is a PAS registered participant, for example, after the cardholder clicks the “buy” button.
  • the merchant plug-in module sends a PAReq message to the associated access control server, which leads to block 1130 where the access server via the PAS cardholder module in the cardholder client device verifies that the cardholder client device includes chip card reader. If the cardholder does not have a chip card reader, then the payment transaction is either ended or another payment method must be used.
  • the cardholder client device has a chip card reader
  • the consumer is directed to insert his or her chip card into the chip card reader.
  • the cardholder module in the cardholder client device requests the chip card to generate a cryptogram based upon secret information contained in the chip card.
  • the cardholder is requested to enter his or her registered PAS password.
  • the chip card generated cryptogram and the cardholder entered password are both sent to the ACS for authentication.
  • the ACS 1520 includes PAS authentication software 1522 , a hardware security module 1524 , the cardholder database 1526 , and system software 1528 .
  • the chip card 1540 includes a chip card credit and debit application 1542 such as the Visa Smart Debit Credit Application (VSDC). It should be appreciated that a general debit and credit application can be utilized in situations where the VSDC application is mentioned in the present specification.
  • VSDC Visa Smart Debit Credit Application
  • the requesting party 1550 is the merchant associated with a particular payment transaction.
  • the issuer server 1520 is the ACS operated by an issuer or a third party on behalf of an issuer capable of validating a chip card's cryptogram. It acts as the interface between the requesting party 1550 and the cardholder client device 1510 .
  • the cardholder client device 1510 is a system of components and software that acts as an interface among the cardholder 1530 , the chip card 1540 and the issuer's ACS 1520 such as a personal computer, a mobile phone, a settop box or any other device or collection of functionally comparable components.
  • the cardholder 1530 is a party who is usually in control of the cardholder client device 1510 and capable of performing functions like inserting a card, entering a PIN or checking to see whether components of the cardholder client device 1510 are properly operational.
  • Chip card 1540 is a payment card from an issuer that contains the chip card credit and debit application 1542 , for example Visa Smart Debit Credit Application.
  • step 1 a requesting party such as a merchant, determines that chip card authentication is required and calls upon the issuer ACS to do it.
  • step 2 the issuer's ACS, having obtained the primary account number (PAN) for the card to be authenticated from the pay request message sends a message called the VSDC Authentication Request to the cardholder client device.
  • PAN primary account number
  • step 3 the cardholder client device, acting in response to the request from the issuer's ACS attempts to authenticate the card. First it determines whether the necessary components are present and operational. Then, by putting a message on the display, the cardholder client device requests the cardholder to insert the chip card to be authenticated into the card reader.
  • step 4 the cardholder responds by inserting the chip card in the card reader which generates a message to the cardholder client device informing it the card has been inserted, or depending upon how sophisticated the card reader is, the cardholder client device may need to poll the card reader using the path numbered 5 to determine whether it is now able to read the card.
  • step 5 the cardholder client device initializes the chip card and the VSDC application on the chip card and then communicates with them to direct the return of a cryptogram from the chip card for later validation.
  • step 6 in the course of communicating with the chip card several exchanges occur.
  • the chip card may request that the cardholder to enter a PIN. If so then the cardholder client device notifies the cardholder to enter a PIN via a PIN pad or other key entry device.
  • step 7 while sending messages (commands) and receiving responses from the card in steps 5 and 6 , the cardholder client device was gathering the information necessary to compose the VSDC Authentication Response which it now sends to the issuer's ACS.
  • the Access Control server using information provided in the VSDC Authentication Response message attempts to authenticate both the cardholder via his password and the chip card via its cryptogram.
  • step 8 the issuer's ACS replies via a payment response message to the merchant or requesting party with the results of the cardholder and chip card authentication processes.
  • the principal functional capabilities of each entity in the VSDC Authentication service will now be described.
  • the requesting party or merchant functions to signal or trigger the issuer's ACS to initiate chip card VSDC Authentication processing, provide issuer ACS with the necessary data to perform VSDC Authentication, and uses the result of VSDC Authentication provided by issuer's ACS.
  • the issuer's ACS functions to securely store cryptographic keys needed for cryptogram validation, collect the necessary data to perform VSDC Authentication processing, initiate VSDC Authentication processing by sending VSDC Authentication Request message to cardholder client device software, validate cryptogram sent from the chip card via the cardholder client device in its attached Hardware Security Module (HSM), and provide the result of the validation of cryptogram to requesting party or merchant via the payment response message.
  • HSM Hardware Security Module
  • the cardholder client device functions to communicate with issuer ACS, receive VSDC Authentication Request message, communicate with cardholder for card insertion/removal and PIN entry, communicate with the chip card, send necessary data for VSDC Authentication to chip card, receive necessary data for VSDC Authentication from chip card, receive cryptogram from chip card, and send the card generated cryptogram to the issuer ACS.
  • the cardholder client device also requests the cardholder to enter his password and passes the entered password to the ACS.
  • the cardholder functions to insert chip card into card reader, determine whether the chip card environment is ready, enter PIN, remove chip card from card reader, and enter his or her password.
  • FIG. 12A illustrates a detailed flow of messages between the chip card 1540 , the cardholder client system 1510 , and the issuer's access control server 1520 .
  • This flow of messages defines the manner in which chip card payment authentication processing is performed.
  • the flow of messages is organized in a top-down manner that progresses through the phases of the authentication process.
  • the cardholder client device software prompts the cardholder to insert the chip card into the card reader.
  • the cardholder client system device reads the application data from the chip card.
  • Cardholder Verification (Optional)—The cardholder client device software performs offline PIN verification to authenticate cardholder.
  • the cardholder client system device requests the chip card to generate the cryptogram.
  • the cardholder client device software returns the cryptogram and the other data to the issuer's ACS server.
  • VSDC Authentication Request is the message that delivers the necessary data from the issuer access control server to the cardholder client device software to invoke the cardholder client device software to start processing.
  • VSDC Authentication response is the message that returns the cryptogram and the supporting data from the cardholder client device software to the issuer's ACS.
  • VSDC Authentication Request is the message that invokes the cardholder client device software to start VSDC Authentication processing. This message contains the necessary data for the chip card to generate a cryptogram.
  • the issuer's ACS preferably should obtain or generate the necessary data listed here: Amount, Authorized; Application Identifier; Application Label (of VSDC application); Application Preferred Name; Terminal Country Code; Transaction Currency Code; Transaction Date; Transaction Type; and Unpredictable Number.
  • the source of these data varies dependent on the authentication environment within which VSDC Authentication is working.
  • the issuer's ACS preferably should construct a VSDC Authentication Request to deliver these data to the cardholder client device software.
  • This message preferably should invoke the cardholder client device software to start the processing between the cardholder client device software and the chip card.
  • the cardholder client device software preferably should start the initiation process.
  • VSDC Authentication Response is the message that delivers the cryptogram and the other supporting data to the issuer' ACS server.
  • VSDC Authentication Response message is also used to deliver the status code when errors and exceptions occur during VSDC Authentication processing.
  • the VSDC Authentication Response message is also used to provide the access control server with the cardholder's password.
  • the cardholder client device software preferably should obtain all the necessary data described in the table 1 below.
  • Results PAN Sequence Number From the READ RECORD response message. Status Code From the cardholder client device software. Reserved for future use 1 Filled by “0000000000000000” Reserved for future use 2 Undefined format and content, 10 bytes.
  • the cardholder client device software preferably should construct a VSDC Authentication Response message to deliver these data to the issuer's ACS server.
  • the issuer's ACS server preferably should retrieve the data from the VSDC Authentication Response and validate both the cryptogram and the cardholder's password.
  • the issuer's ACS server receives the VSDC Authentication Response containing status codes when errors or exceptions occur and when processing completes successfully between the cardholder client device software and the chip card.
  • the issuer's ACS server may store the data from the cardholder client device software to permit the issuer to use that information to analyze the processing that occurred between the chip card and the cardholder client device software and to respond to inquiries from cardholders when errors and exception occurs.
  • Optional process at issuer ACS If the authentication environment requests, the issuer ACS may need to send the result of the authentication to the merchant or requesting party. In some environments, the issuer ACS may send an indication that a cryptogram authentication has occurred and whether it was successful. Note: The VSDC Authentication Response is always sent even if the cardholder client device software terminates prematurely due to errors or other causes.
  • Initiation describes how the cardholder client device software assures that the chip card is inserted into the card reader and is ready for the process.
  • Application Selection describes how the cardholder client device software proceeds to select VSDC application on the chip card for VSDC Authentication processing.
  • Application Initiation describes how the cardholder client device software initiates the VSDC application on the chip card.
  • Read Application Data describes how the cardholder client device software reads the VSDC application data from the chip card.
  • Cardholder Verification describes how the cardholder client device software performs cardholder verification.
  • Terminal Action Analysis describes how the cardholder client device software requests the chip card to generate the Cryptogram. Completion describes how the cardholder client device software terminates the chip card processing and ends its processing.
  • the Initiation phase comprises two sub-phases. One is Initiation for the card environment on the cardholder client device and the other is Initiation for the chip card.
  • the cardholder client device software preferably should assure to the extent possible in the environment that the card reader and any associated device support software necessary to enable it are ready for card insertion. If the card environment is not ready, the cardholder client device software preferably should communicate with Cardholder to verify that conditions at the cardholder client device are correctly set up. Communication with the cardholder might include asking such questions as whether the card reader is properly attached, whether the power is on, and whether the correct version of card reader driver software is installed.
  • the cardholder client device software may terminate the VSDC Authentication processing if it determines that the card environment cannot be made ready. When the cardholder client device software terminates processing it preferably should skip all succeeding phases and return the VSDC Authentication Response message to the issuer Service with an appropriate status code.
  • control may return to this sub-phase whereupon the cardholder client device software prompts the cardholder to insert the chip card.
  • the cardholder client device software may terminate VSDC Authentication processing if, after it requests card insertion and returns again to “Initiation for the chip card”, the chip card subsequently fails to respond.
  • the cardholder client device software terminates VSDC Authentication processing, it preferably should skip all the succeeding phases and preferably should send the VSDC Authentication Response message to the issuer ACS with an appropriate status code.
  • the cardholder client device software preferably should reset the chip card.
  • the chip card returns an Answer To Reset (ATR) to the cardholder client device software, or the chip card fails to return an ATR.
  • ATR Answer To Reset
  • the cardholder client device software When the cardholder client device software receives ATR, it proceeds to the next phase, Application Selection. When the chip card does not return ATR within a time established by standards, the cardholder client device software may return to “4.3.2.1.1 Initiation for card environment on cardholder client device” or it may terminate VSDC Authentication processing. When the cardholder client device software terminates VSDC Authentication processing, it preferably should skip all the succeeding phases and preferably should send the VSDC Authentication Response message to the issuer server with an appropriate status code.
  • Application Selection is the processing phase in which the cardholder client device software selects the VSDC application from the chip card.
  • Process at the cardholder client device software includes the following:
  • the cardholder client device software preferably should perform Application Selection.
  • cardholder client device software preferably should use only the Explicit Selection Method, sending the SELECT commands with the AID (Application ID) as supplied in the VSDC Authentication Request.
  • step g) If the response to the first SELECT command returns an AID with no suffix, then there is only one instance of the application for the requested AID on the card. Processing continues with step g) below.
  • step e) If the response to the first SELECT command returned an AID with a suffix indicating there are multiple instances of the application for the requested AID on the card then processing continues with step e) through step g) below,
  • step c) Application Selection for the cardholder client device software is complete. Either there was a singular eligible application on the card and it was selected in step c) above. Or, it has been determined among multiple eligible applications which one to select in step f) above.
  • the chip card performs Application Selection.
  • the cardholder client device software preferably should terminate VSDC Authentication processing.
  • the cardholder client device software preferably should skip all the succeeding phases and preferably should send VSDC Authentication Response to the issuer server with an appropriate status code.
  • Application Initiation is the processing phase during which the cardholder client device software signals to the chip card that transaction processing is beginning.
  • the cardholder client device software preferably should initiate the application.
  • the cardholder client device software preferably should send the GET PROCESSING OPTIONS command to chip card to initiate the VSDC application.
  • the chip card responds to the GET PROCESSING OPTIONS command.
  • the cardholder client device software preferably should store the Application Interchange Profile that will be used in later phases to construct the VSDC Authentication Response. Enforcing geographical restrictions is one of the optional functions of the VSDC application.
  • the cardholder client software device preferably should skip all the succeeding phases and preferably should send the VSDC Authentication Response message to the issuer server with an appropriate status code. Note: It is the issuer's responsibility to decide what action to take after termination of VSDC Authentication processing. Such decisions and consequent actions are outside the scope of this document.
  • READ APPLICATION DATA Read Application Data is the processing phase in which the cardholder client device software reads the records of VSDC application files on the chip card.
  • the cardholder client device software preferably should read the VSDC application data.
  • the cardholder client device software preferably should sends READ RECORD commands to retrieve the necessary data from the VSDC application.
  • the cardholder client device software preferably should retain the value of the PAN Sequence Number for later use in composing the VSDC Authentication Response.
  • the VSDC application responds to the READ RECORD commands.
  • CARDHOLDER VERIFICATION Cardholder Verification is the phase of processing in which the cardholder client device software may verify the cardholder by using an offline PIN verification method. Note: Cardholder Verification must be implemented in compliance with appropriate Visa security guidelines.
  • the cardholder client device software preferably should verify the cardholder using the Offline Plaintext PIN Verification method. Neither the Offline Enciphered PIN Verification method or Online PIN verification is supported.
  • the chip card performs Offline Plaintext PIN Verification.
  • the chip card provides the result of the offline PIN verification in the CVR.
  • TERMINAL ACTION ANALYSIS Terminal Action Analysis is the phase of processing in which the cardholder client device software requests the chip card to generate a Cryptogram, which will be sent to the issuer server for validation.
  • the cardholder client device software preferably should perform Terminal Action Analysis.
  • the cardholder client device software preferably should assume the role of the “merchant POS terminal” described therein and behave just like that terminal with the following exceptions:
  • the cardholder client device software preferably should not compare the Terminal Verification Results to the chip card's issuer Action Codes or to Terminal Action Codes.
  • the cardholder client device software preferably should construct the GENERATE AC command by requesting only ARQC, i.e., must not request AAC or TC during Terminal Action Analysis.
  • Terminal Verification Results is a record of the outcome of the various application functions performed by the cardholder client device. Different from the standard VSDC processing at POS terminal, some of the values are static for VSDC authentication. The values to be assigned to bits that are static are indicated below. Bits whose values are to be dynamically set, will be set by the cardholder client device during the course of the VSDC Authentication processing.
  • the chip card produces a cryptogram.
  • the cardholder client device software processing preferably should vary based upon the GENERATE AC response message.
  • the cardholder client device software preferably should perform Completion.
  • the VSDC application provides the chip card with the authority to decline transactions offline (AAC) even if the cardholder client device software issues the first GENERATE AC command for an online authorization (ARQC). Therefore the client cardholder device software should expect that the chip card will return either an ARQC or AAC during VSDC Authentication processing.
  • AAC online authorization
  • the issuer ACS can check the CVR.
  • VSDC Authentication preferably should continue processing even though the response from the chip card is Offline Decline (AAC). Processing can continue because even though the response indicates declined, the returned cryptogram can nonetheless be used for card authentication. VSDC Authentication requires the cryptogram for card authentication regardless of the type of the cryptogram.
  • AAC Offline Decline
  • This sub-section describes the processing flow when the chip card returns an Authorization ReQuest Cryptogram (ARQC).
  • ARQC Authorization ReQuest Cryptogram
  • VSDC Authentication such an interpretation is not relevant because an authorization will not be requested and VSDC Authentication is always an “online” process.
  • the objective of issuing the GENERATE AC command is to cause the card to return a cryptogram for validation.
  • the cardholder client device software After receiving the first GENERATE AC response with ARQC from the chip card, the cardholder client device software preferably should perform the following:
  • the cardholder client device software preferably should keep only the cryptogram and no other data except for the following data elements sent from the chip card in order to send them to the issuer server; see Table 2.
  • the cardholder client device software preferably should store information necessary for subsequent phases to prepare and send the VSDC Authentication Response. Then, the cardholder client device software preferably should issue the final GENERATE AC command to the chip card as if the online authorization response would indicate transaction unapproved by the issuer. It means that the cardholder client device software requests an AAC. Note: There are no authorization request/response messages in VSDC Authentication processing.
  • Source of data listed in CDOL2 The Data Elements, which the cardholder client device software transmits to the chip card in the data field of the final GENERATE AC command, preferably should be obtained from the sources indicated in the table 3 below.
  • the chip card returns the response to the final GENERATE AC command with AAC.
  • the cardholder client device software preferably should ignore a response from the chip card to the final GENERATE AC command.
  • the cardholder client device software preferably should comply with security requirements by clearing from its memory extraneous data received from the chip card. Note: It is assumed that by this time all prior unused data from previous phases have been cleared in compliance with security requirements.
  • This sub-section describes the processing flow when the chip card returns an Application Authentication Cryptogram (AAC).
  • AAC Application Authentication Cryptogram
  • VSDC Authentication such an interpretation is not relevant because an authorization was not requested.
  • the objective of issuing the GENERATE AC command is to cause the card to return a cryptogram for authentication of the chip card.
  • the cardholder client device software After receiving the AAC in the response to the first GENERATE AC command from the chip card, the cardholder client device software preferably should perform the following functions.
  • the cardholder client device software preferably should keep the cryptogram and the other information sent from the chip card in order to send them to the issuer ACS.
  • the cardholder client device software preferably should prepare to send VSDC Authentication Response.
  • the cardholder client device software preferably should clear all the data received from the chip card in all phases.
  • the additional embodiment of the chip card system involves an Access application that can optionally be used as an extra feature of the chip card system.
  • the Access application is used to control access to the chip card and the multiple applications that may reside on the chip card.
  • the Access application can be referred to as the “Access application or applet.”
  • the Access application controls access to the other applications resident upon the chip card. In this manner, the Access application is able to verify the identity of the person attempting to utilize the chip card and its associated applications. If the person attempting to use the chip card enters the correct user identification number or string, and a password, then it is presumed that an authorized person is about to use the chip card. In this case, the Access application unlocks all of the applications on the chip card so that they may be used. In addition to unlocking the applications, the Access application can make the passwords for the applications on the chip card available for use. In some embodiments of the Access application, only a select number of the applications will be unlocked after entering the correct information in response to the Access application.
  • Secret #1 A cardholder-defined password to enable access to the chip card Access application for chip-based payer authentication.
  • secret #1 allows an access program on a smart card to open all the applications on a smart card, including the PAS application.
  • Secret #2 An issuer-defined password returned by the chip card Access application to enable the ACS to validate the cardholder for chip-based payer authentication. The cardholder is not required to know this password since it is automatically used to open applications on the smart card.
  • Secret #3 The password used in the non-chip card embodiment of PAS (the core system). The cardholder-defined password to enable the ACS to validate the cardholder. This password or secret can also be used to validate the cardholder when chip card access is not available on the card.
  • FIG. 13 illustrates a system diagram of the components utilized in the payer authentication service using the chip card and a universal Access application.
  • the system diagram of FIG. 13 shows the chip card 1540 , the chip card reader 1518 , the cardholder client device 122 , the access control server 114 , and a database 1240 .
  • the chip card 1540 includes the access applet 1202 and the chip card credit and debit application 1204 .
  • the access applet 1202 stores a password, which is secret #2, that will be used to unlock the various applications on the chip card.
  • the cardholder client device includes the payer authentication application 1542 .
  • the access applet 1202 Upon making an online purchase transaction, the access applet 1202 prompts the cardholder to enter his or her user ID and password, which is secret #1. If the cardholder enters the correct user ID and the associated password, then secret #2 is automatically used to unlock the applications on the chip card. Then the PAS system utilizing the chip card system can proceed as was described earlier in this specification.
  • the cardholder client device software will be activated by a message from the ACS server (client can also be implemented with a timeout feature, e.g. a client will be timed out after 30 minutes). Then, the cardholder client device software will check for the existence of a compliant chip reader and respond to the ACS that it is capable of processing a chip based payer authentication transaction. The cardholder client device software will receive a message from the ACS containing the appropriate merchant and ACS data to enable a chip card program (e.g., VSDC application) to generate a cryptogram.
  • a chip card program e.g., VSDC application
  • VSDC Visa Smart Debit Credit application
  • EMV Europay, Mastercard, and Visa
  • the cryptogram is a cryptographic value generated by the card that is specific to the card and to each transaction.
  • the ACS can validate that the cryptogram using cryptographic keys in hardware security module.
  • the VSDC application is the same application used in the face-to-face transaction taking place at brick-and-mortar POS merchant.
  • the cardholder client device software After receiving the message from the ACS, the cardholder client device software will check for the presence of secret #2 and UID in the defined data element. If it is not available, the cardholder client device software will ask the cardholder to insert the chip card and enter secret #1 to validate against the chip card Access application and retrieve secret #2 and User ID (UID).
  • secret #2 and UID User ID
  • the cardholder client device software will execute a VSDC purchase transaction to obtain the cryptogram and associated data to perform Online chip card Authentication.
  • Execution of the VSDC purchase transaction involves multiple steps to be taken by each of the cardholder client device software and the VSDC chip application.
  • the cardholder client device software will perform Application Selection using the Explicit Selection Method by issuing one or more SELECT commands to the card.
  • the cardholder client device software will also issue a GET PROCESSING OPTIONS command that includes the PDOL, if a PDOL was present in the File Control Information (FCI) from Application Selection.
  • FCI File Control Information
  • the VSDC chip application will return the Application File Locator (AFL) and Application Interchange Profile (AIP) in the response from the GET PROCESSING OPTIONS command.
  • AFL Application File Locator
  • AIP Application Interchange Profile
  • the cardholder client device software will issue the READ RECORD commands necessary to read the VSDC chip application records designated by the AFL. Note: The chip will return all of the data necessary to complete a VSDC purchase transaction, as well as the data used for internet payment authentication. The cardholder client device software will need to parse out the correct data. The cardholder client device software will then perform the Processing Restrictions checks, bypass CVM List Processing, and bypass Terminal Risk Management except for the Floor Limit and New card checks. All transactions will be over the floor limit. The cardholder client device software will set the TVR Transaction Exceeds Floor Limit bit to ‘1’. The cardholder client device software will perform Terminal Action Analysis and always request an ARQC (online) cryptogram in the GENERATE AC command.
  • This command will include the CDOL1 data including Transaction Date and the Unpredictable Number from the ACS. Then the cardholder client device software will pass the cryptogram returned by the chip and supporting data unaltered to the ACS for validation. Finally, the cardholder client device software will issue a GENERATE AC command requesting an AAC. This will terminate the transaction on the VSDC card application. After issuing the second GENERATE AC command, all information from the transaction should be forgotten by the cardholder client device software
  • the ACS should determine if the cardholder's PC is chip-enabled. (Note: Though the PAN may be registered as being chip-enabled, this step is necessary in those situations where the PC currently being used in the transaction does not have a chip reader or is otherwise not chip-enabled.) The ACS should allow the issuer to configure two different actions for the situation when the PC is not chip enabled or the chip is not readable.
  • Option #1 prompt the cardholder for secret #3 (his or her PAS password).
  • Option #2 do not perform any cardholder nor chip card authentication and populate the PARes Transaction Status field with a “not applicable” response.
  • the ACS should extract all of the appropriate merchant information from the PAReq and provide this data and the appropriate ACS information to the cardholder client device software that will be required to request the chip card to generate a cryptogram.
  • the ACS then sends the information to support the cryptogram to the cardholder's cardholder client device software and sends a request for secret #2 and the Unique Identifier (UID).
  • the cardholder client device software invokes an application that obtains secret #2 (password) and UID from the previously performed chip-enabled check-out process. If secret #2 is not available via this procedure, the cardholder client device software obtains secret #2 from the chip card by invoking the Access applet, which requires the cardholder to enter secret #1 to activate the applet, and obtains secret #2 and UID from within the Access applet on the chip card. If the Access applet is not present on the chip card, The cardholder client device software asks the cardholder to enter secret #3 (his or her PAS password).
  • the cardholder client device software After secret #2 and UID are obtained, the cardholder client device software initiates a VSDC transaction to generate a cryptogram request and obtain the cryptogram from the chip card. If secret #2 is not obtained (i.e. the cardholder is not validated), the cardholder client device software does not call upon the VSDC applet.
  • the cardholder client device software returns secret #2, the cryptogram, and the supporting data to the ACS for the ACS to validate the cryptogram to the ACS.
  • the ACS accepts the cardholder client device software's input and validates it against the Account Holder Database. If there is more than one Account Holder Database entry (secret #2) for a Primary Account Number (PAN), the cardholder is validated if any of the entries (secret #2) match the secret #2 sent to the ACS by the cardholder client device software.
  • the ACS validates the card by replicating the cryptogram and comparing it to the cryptogram from the chip card sent to the ACS by the cardholder client device software.
  • the ACS creates the PARes message, populating all of the, and returns the PARes message to the merchant via the connection through the cardholder's browser.
  • the ACS digitally signs the PARes, sets the PARes Transaction Status, Transaction Detail, ECI, values, chip card codes indicating the type of card, payment conditions, and card authentication results, and sends the signed PARes back to the merchant, and generates a SaveReceipt message to the receipt manager 131 (the SaveReceipt message may also be referred to as the PATrans message).
  • VSDC Visa Smart Debit/Credit
  • the access password is obtained from the cardholder and passed to the cardholder client device software on the browser. If the access password provided is correct, the chip card Access application returns secret #2 and UID to the cardholder client device software.
  • a card that is not capable of validating the cardholder (payer) offline i.e., a card that only contains the VSDC application.
  • the cardholder client device software on the browser prompts the cardholder for secret #3 (his or her password) and it is provided to the ACS to achieve cardholder authentication.
  • the cardholder client device software should first determine if the cardholder's PC is chip card enabled (chip card reader and client software components present). If it is not, the transaction is processed via core payer authentication. If the PC is chip card enabled, then in step 2 , obtain the secret #2 via the Access application on the chip card or obtain the secret #3 via a prompt to the cardholder.
  • secret #2 and UID or secret #3 Call the VSDC application on the chip to: retrieve the Magnetic Stripe Image (MSI) data element, retrieve the chip data necessary to allow the ACS to regenerate the cryptogram, and generate the ARQC cryptogram. If secret #2 or #3 is not provided, the VSDC applet is not called.
  • MSI Magnetic Stripe Image
  • the ARQC cryptogram Send the following data to the ACS for card authentication: the ARQC cryptogram, magnetic stripe image (MSI), and the data to support the cryptogram regeneration by the ACS.
  • MSI data can be read.
  • chip cardholders will be allowed to conduct purchase transactions on the Internet without the card being present via core payer authentication (PAS without the chip card and chip card reader components).
  • the cardholder client device software distributed by the issuer should support all types of VSDC cards. Authentication should accommodate chip-based payment applications that implement the full and limited versions of Visa Smart Debit or Credit applets. Initially the chip-based payment application deployed will support limited VSDC features on an Open Platform card. This limited VSDC payment applet, “jump start”, supports the following subset of the “full” VSDC features: MSI, Online Card Authentication, and offline Static Data Authentication (SDA). However, SDA is not performed during Internet transactions. All information from the transaction should be forgotten by the payer authentication cardholder client device software at the end of the transaction. (Such as at the time the PARes message is sent to the merchant).
  • SDA Static Data Authentication
  • the ACS is configurable by the issuer to allow different actions to be taken when the cardholder client device software is not available or is not able to read the chip card.
  • Option #1 the ACS will prompt the cardholder to manually enter secret #3 or option #2, no authentication is conducted and a “not applicable” response is returned to the merchant.
  • Chip cardholders will be allowed to conduct purchase transactions on the Internet without the card being present (for example, from a different PC without the cardholder client device software and chip card reader). The cardholder would manually complete the merchant check out form (or use other non-chip method) and will be prompted by the ACS to manually enter secret #3 if the issuer chose this approach.
  • FIG. 14 illustrates a telecommunications network 800 suitable for implementing an embodiment of the present invention.
  • the present invention may make use of any suitable telecommunications network and may involve different hardware, different software and/or different protocols then those discussed below.
  • the below-described network is a preferred embodiment of the telecommunications network 126 of FIG. 1 .
  • Network 800 is a global telecommunications network that supports purchase and cash transactions using any bankcard, travel and entertainment cards, and other private label and proprietary cards.
  • the network also supports ATM transactions for other networks, transactions using paper checks, transactions using smart cards and transactions using other financial instruments.
  • Transactions can be authorized, cleared and settled as either a dual message or a single message transaction.
  • a dual message transaction is sent twice—the first time with only information needed for an authorization decision, an again later with additional information for clearing and settlement.
  • a single message transaction is sent once for authorization and contains clearing and settlement information as well. Typically, authorization, clearing and settlement all occur on-line.
  • the main components of telecommunications network 800 are interchange centers 802 , access points 804 , 806 and processing centers 808 and 810 .
  • Other entities such as drawee banks and third party authorizing agents may also connect to the network through an access point.
  • An interchange center is a data processing center that may be located anywhere in the world. In one embodiment, there are two in the United States and one each in the United Kingdom and in Japan. Each interchange center houses the computer system that performs the network transaction processing.
  • the interchange center serves as the control point for the telecommunication facilities of the network, which comprise high speed leased lines or satellite connections based on IBM SNA protocol.
  • lines 820 and 822 that connect an interchange center to remote entities use dedicated high-bandwidth telephone circuits or satellite connections based on the IBM SNA-LU0 communication protocol. Messages are sent over these lines using any suitable implementation of the ISO 8583 standard.
  • An access point 804 or 806 is typically a small computer system located at a processing center that interfaces between the center's host computer and the interchange center. The access point facilitates the transmission of messages and files between the host and the interchange center supporting the authorization, clearing and settlement of transaction.
  • Links 826 and 828 are typically local links within a center and use a proprietary message format as prefer by the center.
  • a data processing center (such as is located within an acquirer, issuer, or other entity) houses processing systems that support merchant and business locations and maintains customer data and billing systems.
  • each processing center is linked to one or two interchange centers.
  • Processors are connected to the closest interchange, and if the network experiences interruptions, the network automatically routes transactions to a secondary interchange center.
  • Each interchange center is also linked to all of the other interchange centers. This linking enables processing centers to communicate with each other through one or more interchange centers.
  • processing centers can access the networks of other programs through the interchange center. Further, the network ensures that all links have multiple backups.
  • the connection from one point of the network to another is not usually a fixed link; instead, the interchange center chooses the best possible path at the time of any given transmission. Rerouting around any faulty link occurs automatically.
  • FIG. 15 illustrates systems 840 housed within an interchange center to provide on-line and off-line transaction processing.
  • authorization system 842 provides authorization.
  • System 842 supports on-line and off-line functions, and its file includes internal systems tables, a customer database and a merchant central file.
  • the on-line functions of system 842 support dual message authorization processing. This processing involves routing, cardholder and card verification and stand-in processing, and other functions such as file maintenance.
  • Off-line functions including reporting, billing, and generating recovery bulletins. Reporting includes authorization reports, exception file and advice file reports, POS reports and billing reports.
  • a bridge from system 842 to system 846 makes it possible for members using system 842 to communicate with members using system 846 and access the SMS gateways to outside networks.
  • Clearing and settlement system 844 clears and settles previously authorized dual message transactions. Operating six days a week on a global basis, system 844 collects financial and non-financial information and distributes reports between members. It also calculates fees, charges and settlement totals and produces reports to help with reconciliation.
  • a bridge forms an interchange between system 844 processing centers and system 846 processing centers.
  • Single message system 846 processes full financial transactions.
  • System 846 can also process dual message authorization and clearing transactions, and communicates with system 842 using a bridge and accesses outside networks as required.
  • System 846 processes Visa, Plus Interlink and other card transactions.
  • the SMS files comprise internal system tables that control system access and processing, and the cardholder database, which contains files of cardholder data used for PIN verification and stand-in processing authorization.
  • System 846 on-line functions perform real-time cardholder transaction processing and exception processing for authorization as well as full financial transactions.
  • System 846 also accumulates reconciliation and settlement totals.
  • System 846 off-line functions process settlement and funds transfer requests and provide settlement and activities reporting.
  • Settlement service 848 consolidates the settlement functions of system 844 and 846 , including Interlink, into a single service for all products and services. Clearing continues to be performed separately by system 844 and system 846 .
  • FIG. 16 illustrates another view of the components of telecommunications network 800 .
  • Integrated payment system 850 is the primary system for processing all on-line authorization and financial request transactions. System 850 reports both dual message and single message processing. In both cases, settlement occurs separately.
  • the three main software components are the common interface function 852 , authorization system 842 and single message system 846 .
  • Common interface function 852 determines the processing required for each message received at an interchange center. It chooses the appropriate routing, based on the source of the message (system 842 , 844 or 846 ), the type of processing request and the processing network. This component performs initial message editing, and, when necessary, parses the message and ensures that the content complies with basic message construction rules. Function 852 routes messages to their system 842 or system 846 destinations.
  • FIGS. 17A and 17B illustrate a computer system 900 suitable for implementing embodiments of the present invention.
  • FIG. 17A shows one possible physical form of the computer system.
  • the computer system may have many physical forms ranging from an integrated circuit, a printed circuit board and a small handheld device up to a huge super computer.
  • Computer system 900 includes a monitor 902 , a display 904 , a housing 906 , a disk drive 908 , a keyboard 910 and a mouse 912 .
  • Disk 914 is a computer-readable medium used to transfer data to and from computer system 900 .
  • FIG. 17B is an example of a block diagram for computer system 900 .
  • Attached to system bus 920 are a wide variety of subsystems.
  • Processor(s) 922 also referred to as central processing units, or CPUs
  • Memory 924 includes random access memory (RAM) and read-only memory (ROM).
  • RAM random access memory
  • ROM read-only memory
  • RAM random access memory
  • ROM read-only memory
  • Both of these types of memories may include any suitable of the computer-readable media described below.
  • a fixed disk 926 is also coupled bi-directionally to CPU 922 ; it provides additional data storage capacity and may also include any of the computer-readable media described below.
  • Fixed disk 926 may be used to store programs, data and the like and is typically a secondary storage medium (such as a hard disk) that is slower than primary storage. It will be appreciated that the information retained within fixed disk 926 , may, in appropriate cases, be incorporated in standard fashion as virtual memory in memory 924 .
  • Removable disk 914 may take the form of any of the computer-readable media described below.
  • CPU 922 is also coupled to a variety of input/output devices such as display 904 , keyboard 910 , mouse 912 and speakers 930 .
  • an input/output device may be any of video displays, track balls, mice, keyboards, microphones, touch-sensitive displays, transducer card readers, magnetic or paper tape readers, tablets, styluses, voice or handwriting recognizers, biometrics readers, or other computers.
  • CPU 922 optionally may be coupled to another computer or telecommunications network using network interface 940 . With such a network interface, it is contemplated that the CPU might receive information from the network, or might output information to the network in the course of performing the above-described method steps.
  • method embodiments of the present invention may execute solely upon CPU 922 or may execute over a network such as the Internet in conjunction with a remote CPU that shares a portion of the processing.
  • embodiments of the present invention further relate to computer storage products with a computer-readable medium that have computer code thereon for performing various computer-implemented operations.
  • the media and computer code may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well known and available to those having skill in the computer software arts.
  • Examples of computer-readable media include, but are not limited to: magnetic media such as hard disks, floppy disks, and magnetic tape; optical media such as CD-ROMs and holographic devices; magneto-optical media such as floptical disks; and hardware devices that are specially configured to store and execute program code, such as application-specific integrated circuits (ASICs), programmable logic devices (PLDs) and ROM and RAM devices.
  • Examples of computer code include machine code, such as produced by a compiler, and files containing higher level code that are executed by a computer using an interpreter.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
US09/842,313 2000-04-24 2001-04-24 Online payer authentication service Expired - Lifetime US7827115B2 (en)

Priority Applications (9)

Application Number Priority Date Filing Date Title
US09/842,313 US7827115B2 (en) 2000-04-24 2001-04-24 Online payer authentication service
US10/156,271 US8271395B2 (en) 2000-04-24 2002-05-24 Online account authentication service
US10/384,735 US20030212642A1 (en) 2000-04-24 2003-03-11 Online payer authentication service
US12/419,115 US9864993B2 (en) 2000-04-24 2009-04-06 Account authentication service with chip card
US12/873,869 US7991701B2 (en) 2000-04-24 2010-09-01 Online payer authentication service
US13/467,731 US10572875B2 (en) 2000-04-24 2012-05-09 Online account authentication service
US13/467,700 US20120323733A1 (en) 2000-04-24 2012-05-09 Online account authentication service
US15/216,516 US20160358175A1 (en) 2000-04-24 2016-07-21 Online payer authentication service
US15/818,301 US20180075452A1 (en) 2000-04-24 2017-11-20 Online payer authentication service

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19972700P 2000-04-24 2000-04-24
US09/842,313 US7827115B2 (en) 2000-04-24 2001-04-24 Online payer authentication service

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US19972700P Continuation 2000-04-24 2000-04-24

Related Child Applications (5)

Application Number Title Priority Date Filing Date
US10/156,271 Continuation US8271395B2 (en) 2000-04-24 2002-05-24 Online account authentication service
US10/384,735 Continuation US20030212642A1 (en) 2000-04-24 2003-03-11 Online payer authentication service
US12/419,115 Continuation US9864993B2 (en) 2000-04-24 2009-04-06 Account authentication service with chip card
US12/419,115 Division US9864993B2 (en) 2000-04-24 2009-04-06 Account authentication service with chip card
US12/873,869 Continuation US7991701B2 (en) 2000-04-24 2010-09-01 Online payer authentication service

Publications (2)

Publication Number Publication Date
US20020111919A1 US20020111919A1 (en) 2002-08-15
US7827115B2 true US7827115B2 (en) 2010-11-02

Family

ID=22738768

Family Applications (10)

Application Number Title Priority Date Filing Date
US09/842,313 Expired - Lifetime US7827115B2 (en) 2000-04-24 2001-04-24 Online payer authentication service
US10/156,271 Expired - Fee Related US8271395B2 (en) 2000-04-24 2002-05-24 Online account authentication service
US10/384,735 Abandoned US20030212642A1 (en) 2000-04-24 2003-03-11 Online payer authentication service
US12/034,606 Abandoned US20080301056A1 (en) 2000-04-24 2008-02-20 Online payer authentication service
US12/419,115 Active 2024-11-13 US9864993B2 (en) 2000-04-24 2009-04-06 Account authentication service with chip card
US12/873,869 Expired - Fee Related US7991701B2 (en) 2000-04-24 2010-09-01 Online payer authentication service
US13/467,700 Abandoned US20120323733A1 (en) 2000-04-24 2012-05-09 Online account authentication service
US13/467,731 Expired - Fee Related US10572875B2 (en) 2000-04-24 2012-05-09 Online account authentication service
US15/216,516 Abandoned US20160358175A1 (en) 2000-04-24 2016-07-21 Online payer authentication service
US15/818,301 Abandoned US20180075452A1 (en) 2000-04-24 2017-11-20 Online payer authentication service

Family Applications After (9)

Application Number Title Priority Date Filing Date
US10/156,271 Expired - Fee Related US8271395B2 (en) 2000-04-24 2002-05-24 Online account authentication service
US10/384,735 Abandoned US20030212642A1 (en) 2000-04-24 2003-03-11 Online payer authentication service
US12/034,606 Abandoned US20080301056A1 (en) 2000-04-24 2008-02-20 Online payer authentication service
US12/419,115 Active 2024-11-13 US9864993B2 (en) 2000-04-24 2009-04-06 Account authentication service with chip card
US12/873,869 Expired - Fee Related US7991701B2 (en) 2000-04-24 2010-09-01 Online payer authentication service
US13/467,700 Abandoned US20120323733A1 (en) 2000-04-24 2012-05-09 Online account authentication service
US13/467,731 Expired - Fee Related US10572875B2 (en) 2000-04-24 2012-05-09 Online account authentication service
US15/216,516 Abandoned US20160358175A1 (en) 2000-04-24 2016-07-21 Online payer authentication service
US15/818,301 Abandoned US20180075452A1 (en) 2000-04-24 2017-11-20 Online payer authentication service

Country Status (7)

Country Link
US (10) US7827115B2 (fr)
EP (2) EP1277180A2 (fr)
JP (1) JP5025875B2 (fr)
KR (3) KR100933387B1 (fr)
AU (3) AU2001257280C1 (fr)
CA (1) CA2407653A1 (fr)
WO (1) WO2001082246A2 (fr)

Cited By (212)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020091635A1 (en) * 2000-09-20 2002-07-11 Venkatachari Dilip Method and apparatus for managing transactions
US20050283443A1 (en) * 2004-06-16 2005-12-22 Hardt Dick C Auditable privacy policies in a distributed hierarchical identity management system
US20080046988A1 (en) * 2004-10-20 2008-02-21 Salt Group Pty Ltd Authentication Method
US20080091859A1 (en) * 2006-10-17 2008-04-17 Hon Hai Precision Industry Co., Ltd. Test Method for verifying installation validity of a PCI device on an electronic device
US20080208759A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Processing of financial transactions using debit networks
US20080229430A1 (en) * 2007-03-15 2008-09-18 Kargman James B Method for preventing prank orders for internet purchasing
US20080289022A1 (en) * 2007-05-14 2008-11-20 Chiu Yeong-How Internet business security system
US20090037982A1 (en) * 2007-04-17 2009-02-05 David Wentker Method and system for authenticating a party to a transaction
US20090210293A1 (en) * 2000-08-04 2009-08-20 Nick Steele Information transactions over a network
US20100180327A1 (en) * 2009-01-15 2010-07-15 Sheets John F Secure remote authentication through an untrusted network
US20100317318A1 (en) * 2009-06-10 2010-12-16 Carter Ronald D Methods and apparatus for providing pre-paid payment capability on mobile telephone
US20110055077A1 (en) * 2009-09-02 2011-03-03 Susan French Portable consumer device with funds transfer processing
US20110137803A1 (en) * 2009-12-03 2011-06-09 Symbol Technologies, Inc. Secure electronic receipt systems and methods
US20110173124A1 (en) * 2010-01-08 2011-07-14 Intuit Inc. Authentication of transactions in a network
US20110178925A1 (en) * 2010-01-19 2011-07-21 Mike Lindelsee Token Based Transaction Authentication
US7991689B1 (en) 2008-07-23 2011-08-02 Experian Information Solutions, Inc. Systems and methods for detecting bust out fraud using credit data
US20110191210A1 (en) * 2010-01-29 2011-08-04 Bank Of America Corporation Online financial institution profile electronic checkout
US20110196724A1 (en) * 2010-02-09 2011-08-11 Charles Stanley Fenton Consumer-oriented commerce facilitation services, applications, and devices
US20110313898A1 (en) * 2010-06-21 2011-12-22 Ebay Inc. Systems and methods for facitiating card verification over a network
US8175889B1 (en) 2005-04-06 2012-05-08 Experian Information Solutions, Inc. Systems and methods for tracking changes of address based on service disconnect/connect data
US8214262B1 (en) 2006-12-04 2012-07-03 Lower My Bills, Inc. System and method of enhancing leads
US20120197807A1 (en) * 2011-01-28 2012-08-02 Joshua Schlesser Secure online transaction processing
US8260806B2 (en) 2000-08-04 2012-09-04 Grdn. Net Solutions, Llc Storage, management and distribution of consumer information
US20120323735A1 (en) * 2005-09-28 2012-12-20 Saf-T-Pay, Inc. Payment system and clearinghouse of internet transactions
US8364588B2 (en) 2007-05-25 2013-01-29 Experian Information Solutions, Inc. System and method for automated detection of never-pay data sets
US8464939B1 (en) 2007-12-14 2013-06-18 Consumerinfo.Com, Inc. Card registry systems and methods
US8504704B2 (en) 2004-06-16 2013-08-06 Dormarke Assets Limited Liability Company Distributed contact information management
US8527752B2 (en) 2004-06-16 2013-09-03 Dormarke Assets Limited Liability Graduated authentication in an identity management system
US8620810B2 (en) 2010-04-02 2013-12-31 Isignthis Ltd. Methods and systems for verifying transactions
US8682786B2 (en) * 2012-01-21 2014-03-25 Broaddeep (Beijing) Network Technology Co., Ltd. Method and system for payment based on correlation between product specific information and terminal numbers
US8744956B1 (en) 2010-07-01 2014-06-03 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US20140172660A1 (en) * 2012-12-13 2014-06-19 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US8781953B2 (en) 2003-03-21 2014-07-15 Consumerinfo.Com, Inc. Card management system and method
US8782217B1 (en) 2010-11-10 2014-07-15 Safetyweb, Inc. Online identity management
US8856894B1 (en) 2012-11-28 2014-10-07 Consumerinfo.Com, Inc. Always on authentication
US8931058B2 (en) 2010-07-01 2015-01-06 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9305292B1 (en) * 2008-07-03 2016-04-05 Jpmorgan Chase Bank, N.A. Systems and methods for providing an adaptable transponder device
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US20160260084A1 (en) * 2015-03-06 2016-09-08 Mastercard International Incorporated Secure mobile remote payments
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US9471926B2 (en) 2010-04-23 2016-10-18 Visa U.S.A. Inc. Systems and methods to provide offers to travelers
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US9508092B1 (en) 2007-01-31 2016-11-29 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9563916B1 (en) 2006-10-05 2017-02-07 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US9607336B1 (en) 2011-06-16 2017-03-28 Consumerinfo.Com, Inc. Providing credit inquiry alerts
US9633322B1 (en) 2013-03-15 2017-04-25 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US9721147B1 (en) 2013-05-23 2017-08-01 Consumerinfo.Com, Inc. Digital identity
US9760905B2 (en) 2010-08-02 2017-09-12 Visa International Service Association Systems and methods to optimize media presentations using a camera
US9769134B2 (en) 2002-04-17 2017-09-19 Visa International Service Association Mobile account authentication service
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US9875468B2 (en) * 2014-11-26 2018-01-23 Buy It Mobility Networks Inc. Intelligent authentication process
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US9928508B2 (en) 2000-08-04 2018-03-27 Intellectual Ventures I Llc Single sign-on for access to a central data repository
US10069958B1 (en) 2017-07-20 2018-09-04 Bank Of America Corporation Dynamic mobile authorization advancement system
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US10078868B1 (en) 2007-01-31 2018-09-18 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US10339527B1 (en) 2014-10-31 2019-07-02 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US10373198B1 (en) 2008-06-13 2019-08-06 Lmb Mortgage Services, Inc. System and method of generating existing customer leads
US10373240B1 (en) 2014-04-25 2019-08-06 Csidentity Corporation Systems, methods and computer-program products for eligibility verification
US10425129B1 (en) 2019-02-27 2019-09-24 Capital One Services, Llc Techniques to reduce power consumption in near field communication systems
US10438437B1 (en) 2019-03-20 2019-10-08 Capital One Services, Llc Tap to copy data to clipboard via NFC
US10453093B1 (en) 2010-04-30 2019-10-22 Lmb Mortgage Services, Inc. System and method of optimizing matching of leads
US10460319B2 (en) 2010-08-12 2019-10-29 Mastercard International Incorporated Multi-commerce channel wallet for authenticated transactions
US10467445B1 (en) 2019-03-28 2019-11-05 Capital One Services, Llc Devices and methods for contactless card alignment with a foldable mobile device
US10467622B1 (en) 2019-02-01 2019-11-05 Capital One Services, Llc Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms
US10489781B1 (en) 2018-10-02 2019-11-26 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10498401B1 (en) 2019-07-15 2019-12-03 Capital One Services, Llc System and method for guiding card positioning using phone sensors
US10506426B1 (en) 2019-07-19 2019-12-10 Capital One Services, Llc Techniques for call authentication
US10505738B1 (en) 2018-10-02 2019-12-10 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10510074B1 (en) 2019-02-01 2019-12-17 Capital One Services, Llc One-tap payment using a contactless card
US10511443B1 (en) 2018-10-02 2019-12-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10516447B1 (en) 2019-06-17 2019-12-24 Capital One Services, Llc Dynamic power levels in NFC card communications
US10521794B2 (en) 2012-12-10 2019-12-31 Visa International Service Association Authenticating remote transactions using a mobile device
US10523708B1 (en) 2019-03-18 2019-12-31 Capital One Services, Llc System and method for second factor authentication of customer support calls
US10535062B1 (en) 2019-03-20 2020-01-14 Capital One Services, Llc Using a contactless card to securely share personal data stored in a blockchain
US10542036B1 (en) 2018-10-02 2020-01-21 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US10541995B1 (en) 2019-07-23 2020-01-21 Capital One Services, Llc First factor contactless card authentication system and method
US10546444B2 (en) 2018-06-21 2020-01-28 Capital One Services, Llc Systems and methods for secure read-only authentication
US10554411B1 (en) 2018-10-02 2020-02-04 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10565587B1 (en) 2018-10-02 2020-02-18 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10582386B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10579998B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10586279B1 (en) 2004-09-22 2020-03-10 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US10592982B2 (en) 2013-03-14 2020-03-17 Csidentity Corporation System and method for identifying related credit inquiries
US10592710B1 (en) 2018-10-02 2020-03-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10593004B2 (en) 2011-02-18 2020-03-17 Csidentity Corporation System and methods for identifying compromised personally identifiable information on the internet
US10607216B1 (en) 2018-10-02 2020-03-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10607214B1 (en) 2018-10-02 2020-03-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10615981B1 (en) 2018-10-02 2020-04-07 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10621657B2 (en) 2008-11-05 2020-04-14 Consumerinfo.Com, Inc. Systems and methods of credit information reporting
US10623393B1 (en) 2018-10-02 2020-04-14 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10630653B1 (en) 2018-10-02 2020-04-21 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10643420B1 (en) 2019-03-20 2020-05-05 Capital One Services, Llc Contextual tapping engine
US10657754B1 (en) 2019-12-23 2020-05-19 Capital One Services, Llc Contactless card and personal identification system
US10664936B2 (en) 2013-03-15 2020-05-26 Csidentity Corporation Authentication systems and methods for on-demand products
US10664941B1 (en) 2019-12-24 2020-05-26 Capital One Services, Llc Steganographic image encoding of biometric template information on a card
US10671749B2 (en) 2018-09-05 2020-06-02 Consumerinfo.Com, Inc. Authenticated access and aggregation database platform
US10679453B2 (en) * 2002-09-10 2020-06-09 Visa International Service Association Data authentication and provisioning method and system
US10680824B2 (en) 2018-10-02 2020-06-09 Capital One Services, Llc Systems and methods for inventory management using cryptographic authentication of contactless cards
US10685350B2 (en) 2018-10-02 2020-06-16 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US10686603B2 (en) 2018-10-02 2020-06-16 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10699028B1 (en) 2017-09-28 2020-06-30 Csidentity Corporation Identity security architecture systems and methods
US10701560B1 (en) 2019-10-02 2020-06-30 Capital One Services, Llc Client device authentication using contactless legacy magnetic stripe data
US10713649B1 (en) 2019-07-09 2020-07-14 Capital One Services, Llc System and method enabling mobile near-field communication to update display on a payment card
US10733645B2 (en) 2018-10-02 2020-08-04 Capital One Services, Llc Systems and methods for establishing identity for order pick up
US10733283B1 (en) 2019-12-23 2020-08-04 Capital One Services, Llc Secure password generation and management using NFC and contactless smart cards
US10733601B1 (en) 2019-07-17 2020-08-04 Capital One Services, Llc Body area network facilitated authentication or payment authorization
US10748138B2 (en) 2018-10-02 2020-08-18 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10757574B1 (en) 2019-12-26 2020-08-25 Capital One Services, Llc Multi-factor authentication providing a credential via a contactless card for secure messaging
US10771253B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10771254B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for email-based card activation
US10783519B2 (en) 2018-10-02 2020-09-22 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10797882B2 (en) 2018-10-02 2020-10-06 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10832271B1 (en) 2019-07-17 2020-11-10 Capital One Services, Llc Verified reviews using a contactless card
US10841091B2 (en) 2018-10-02 2020-11-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10853795B1 (en) 2019-12-24 2020-12-01 Capital One Services, Llc Secure authentication based on identity data stored in a contactless card
US10862540B1 (en) 2019-12-23 2020-12-08 Capital One Services, Llc Method for mapping NFC field strength and location on mobile devices
US10860814B2 (en) 2018-10-02 2020-12-08 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10861006B1 (en) 2020-04-30 2020-12-08 Capital One Services, Llc Systems and methods for data access control using a short-range transceiver
US10860914B1 (en) 2019-12-31 2020-12-08 Capital One Services, Llc Contactless card and method of assembly
US10871958B1 (en) 2019-07-03 2020-12-22 Capital One Services, Llc Techniques to perform applet programming
US10885514B1 (en) 2019-07-15 2021-01-05 Capital One Services, Llc System and method for using image data to trigger contactless card transactions
US10885410B1 (en) 2019-12-23 2021-01-05 Capital One Services, Llc Generating barcodes utilizing cryptographic techniques
US10896472B1 (en) 2017-11-14 2021-01-19 Csidentity Corporation Security and identity verification system and architecture
US10909527B2 (en) 2018-10-02 2021-02-02 Capital One Services, Llc Systems and methods for performing a reissue of a contactless card
US10911234B2 (en) 2018-06-22 2021-02-02 Experian Information Solutions, Inc. System and method for a token gateway environment
US10909544B1 (en) 2019-12-26 2021-02-02 Capital One Services, Llc Accessing and utilizing multiple loyalty point accounts
US10915888B1 (en) 2020-04-30 2021-02-09 Capital One Services, Llc Contactless card with multiple rotating security keys
US10949520B2 (en) 2018-10-02 2021-03-16 Capital One Services, Llc Systems and methods for cross coupling risk analytics and one-time-passcodes
US10963865B1 (en) 2020-05-12 2021-03-30 Capital One Services, Llc Augmented reality card activation experience
US10970712B2 (en) 2019-03-21 2021-04-06 Capital One Services, Llc Delegated administration of permissions using a contactless card
US10984416B2 (en) 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US10992477B2 (en) 2018-10-02 2021-04-27 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11030562B1 (en) 2011-10-31 2021-06-08 Consumerinfo.Com, Inc. Pre-data breach monitoring
US11030339B1 (en) 2020-04-30 2021-06-08 Capital One Services, Llc Systems and methods for data access control of personal user data using a short-range transceiver
US11037136B2 (en) 2019-01-24 2021-06-15 Capital One Services, Llc Tap to autofill card data
US11038688B1 (en) 2019-12-30 2021-06-15 Capital One Services, Llc Techniques to control applets for contactless cards
US20210192519A1 (en) * 2019-12-23 2021-06-24 Capital One Services, Llc Authentication for third party digital wallet provisioning
US11062098B1 (en) 2020-08-11 2021-07-13 Capital One Services, Llc Augmented reality information display and interaction via NFC based authentication
US11063979B1 (en) 2020-05-18 2021-07-13 Capital One Services, Llc Enabling communications between applications in a mobile operating system
US11082229B2 (en) 2019-03-18 2021-08-03 Capital One Services, Llc System and method for pre-authentication of customer support calls
US11100511B1 (en) 2020-05-18 2021-08-24 Capital One Services, Llc Application-based point of sale system in mobile operating systems
US11107076B1 (en) * 2015-05-22 2021-08-31 Intuit, Inc. Automatic transaction-based verification of account ownership
US11106677B2 (en) 2006-11-28 2021-08-31 Lmb Mortgage Services, Inc. System and method of removing duplicate user records
US11113685B2 (en) 2019-12-23 2021-09-07 Capital One Services, Llc Card issuing with restricted virtual numbers
US11120453B2 (en) 2019-02-01 2021-09-14 Capital One Services, Llc Tap card to securely generate card data to copy to clipboard
US11151468B1 (en) 2015-07-02 2021-10-19 Experian Information Solutions, Inc. Behavior analysis using distributed representations of event data
US11157995B2 (en) 2010-08-06 2021-10-26 Dkr Consulting Llc System and method for generating and distributing embeddable electronic commerce stores
US11165586B1 (en) 2020-10-30 2021-11-02 Capital One Services, Llc Call center web-based authentication using a contactless card
US11182771B2 (en) 2019-07-17 2021-11-23 Capital One Services, Llc System for value loading onto in-vehicle device
US11200563B2 (en) 2019-12-24 2021-12-14 Capital One Services, Llc Account registration using a contactless card
US11210656B2 (en) 2020-04-13 2021-12-28 Capital One Services, Llc Determining specific terms for contactless card activation
US11210664B2 (en) 2018-10-02 2021-12-28 Capital One Services, Llc Systems and methods for amplifying the strength of cryptographic algorithms
US11216799B1 (en) 2021-01-04 2022-01-04 Capital One Services, Llc Secure generation of one-time passcodes using a contactless card
US11222342B2 (en) 2020-04-30 2022-01-11 Capital One Services, Llc Accurate images in graphical user interfaces to enable data transfer
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11245438B1 (en) 2021-03-26 2022-02-08 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US11348150B2 (en) * 2010-06-21 2022-05-31 Paypal, Inc. Systems and methods for facilitating card verification over a network
US11354555B1 (en) 2021-05-04 2022-06-07 Capital One Services, Llc Methods, mediums, and systems for applying a display to a transaction card
US11361302B2 (en) 2019-01-11 2022-06-14 Capital One Services, Llc Systems and methods for touch screen interface interaction using a card overlay
US11373169B2 (en) 2020-11-03 2022-06-28 Capital One Services, Llc Web-based activation of contactless cards
US11392933B2 (en) 2019-07-03 2022-07-19 Capital One Services, Llc Systems and methods for providing online and hybridcard interactions
US11438329B2 (en) 2021-01-29 2022-09-06 Capital One Services, Llc Systems and methods for authenticated peer-to-peer data transfer using resource locators
US11455620B2 (en) 2019-12-31 2022-09-27 Capital One Services, Llc Tapping a contactless card to a computing device to provision a virtual number
US11482312B2 (en) 2020-10-30 2022-10-25 Capital One Services, Llc Secure verification of medical status using a contactless card
US11521262B2 (en) 2019-05-28 2022-12-06 Capital One Services, Llc NFC enhanced augmented reality information overlays
US11521213B2 (en) 2019-07-18 2022-12-06 Capital One Services, Llc Continuous authentication for digital services based on contactless card positioning
US11551211B1 (en) * 1999-06-18 2023-01-10 Stripe, Inc. Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
US11562358B2 (en) 2021-01-28 2023-01-24 Capital One Services, Llc Systems and methods for near field contactless card communication and cryptographic authentication
US11637826B2 (en) 2021-02-24 2023-04-25 Capital One Services, Llc Establishing authentication persistence
US11651361B2 (en) 2019-12-23 2023-05-16 Capital One Services, Llc Secure authentication based on passport data stored in a contactless card
US11682012B2 (en) 2021-01-27 2023-06-20 Capital One Services, Llc Contactless delivery systems and methods
US11687930B2 (en) 2021-01-28 2023-06-27 Capital One Services, Llc Systems and methods for authentication of access tokens
US11694187B2 (en) 2019-07-03 2023-07-04 Capital One Services, Llc Constraining transactional capabilities for contactless cards
US11777933B2 (en) 2021-02-03 2023-10-03 Capital One Services, Llc URL-based authentication for payment cards
US11792001B2 (en) 2021-01-28 2023-10-17 Capital One Services, Llc Systems and methods for secure reprovisioning
US11823175B2 (en) 2020-04-30 2023-11-21 Capital One Services, Llc Intelligent card unlock
US11902442B2 (en) 2021-04-22 2024-02-13 Capital One Services, Llc Secure management of accounts on display devices using a contactless card
US11935035B2 (en) 2021-04-20 2024-03-19 Capital One Services, Llc Techniques to utilize resource locators by a contactless card to perform a sequence of operations
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
US11961089B2 (en) 2021-04-20 2024-04-16 Capital One Services, Llc On-demand applications to extend web services
US11995633B2 (en) 2012-03-06 2024-05-28 Visa International Service Association Security system incorporating mobile device
US12041172B2 (en) 2021-06-25 2024-07-16 Capital One Services, Llc Cryptographic authentication to control access to storage devices
US12061682B2 (en) 2021-07-19 2024-08-13 Capital One Services, Llc System and method to perform digital authentication using multiple channels of communication
US12062258B2 (en) 2021-09-16 2024-08-13 Capital One Services, Llc Use of a payment card to unlock a lock
US12069173B2 (en) 2021-12-15 2024-08-20 Capital One Services, Llc Key recovery based on contactless card authentication
US12086787B2 (en) 2009-05-15 2024-09-10 Visa International Service Association Integration of verification tokens with mobile communication devices
US12086852B2 (en) 2019-07-08 2024-09-10 Capital One Services, Llc Authenticating voice transactions with payment card
US12124903B2 (en) 2023-03-16 2024-10-22 Capital One Services, Llc Card with a time-sensitive element and systems and methods for implementing the same

Families Citing this family (424)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6882738B2 (en) * 1994-03-17 2005-04-19 Digimarc Corporation Methods and tangible objects employing textured machine readable data
US6782115B2 (en) 1998-04-16 2004-08-24 Digimarc Corporation Watermark holograms
US6608911B2 (en) 2000-12-21 2003-08-19 Digimarc Corporation Digitally watermaking holograms for use with smart cards
EP1049056A3 (fr) 1999-04-26 2001-06-13 CheckFree Corporation Centrale électronique de présentation et / ou de réglement de factures
US7249097B2 (en) * 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US8646685B2 (en) * 1999-11-05 2014-02-11 Lead Core Fund, L.L.C. Device for allocating a payment authorization request to a payment processor
US8875990B2 (en) * 1999-11-05 2014-11-04 Lead Core Fund, L.L.C. Systems and methods for allocating a payment authorization request to a payment processor
US8190514B2 (en) * 1999-11-05 2012-05-29 Lead Core Fund, L.L.C. Systems and methods for transaction processing based upon an overdraft scenario
US20090271278A1 (en) * 1999-11-05 2009-10-29 American Express Travel Related Services Company, Inc. Systems and methods for routing a transaction request to a payment system via a transaction device
US20090164325A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device
US20090164329A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US8195565B2 (en) * 1999-11-05 2012-06-05 Lead Core Fund, L.L.C. Systems and methods for point of interaction based policy routing of transactions
US20090164331A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Locating a Payment System Utilizing a Point of Sale Device
US8814039B2 (en) * 1999-11-05 2014-08-26 Lead Core Fund, L.L.C. Methods for processing a payment authorization request utilizing a network of point of sale devices
US8820633B2 (en) * 1999-11-05 2014-09-02 Lead Core Fund, L.L.C. Methods for a third party biller to receive an allocated payment authorization request
US8073772B2 (en) * 1999-11-05 2011-12-06 American Express Travel Related Services Company, Inc. Systems and methods for processing transactions using multiple budgets
US8851369B2 (en) 1999-11-05 2014-10-07 Lead Core Fund, L.L.C. Systems and methods for transaction processing using a smartcard
US20090164328A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating a Payment System and Determining a Taxing Authority Utilizing a Point of Sale Device
US8596527B2 (en) * 1999-11-05 2013-12-03 Lead Core Fund, L.L.C. Methods for locating a payment system utilizing a point of sale device
US8794509B2 (en) * 1999-11-05 2014-08-05 Lead Core Fund, L.L.C. Systems and methods for processing a payment authorization request over disparate payment networks
US8180706B2 (en) * 1999-11-05 2012-05-15 Lead Core Fund, L.L.C. Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US8046256B2 (en) 2000-04-14 2011-10-25 American Express Travel Related Services Company, Inc. System and method for using loyalty rewards as currency
US7778934B2 (en) * 2000-04-17 2010-08-17 Verisign, Inc. Authenticated payment
WO2001082246A2 (fr) * 2000-04-24 2001-11-01 Visa International Service Association Service d'authentification de payeur en ligne
JP2001306503A (ja) * 2000-04-26 2001-11-02 Nec Niigata Ltd 個人認証システム及びそれに用いる個人認証方法
NZ523366A (en) * 2000-05-25 2005-10-28 Echarge Corp Secure transaction protocol
US7177849B2 (en) * 2000-07-13 2007-02-13 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
GB0020108D0 (en) * 2000-08-15 2000-10-04 Nokia Mobile Phones Ltd Devices
US8799463B1 (en) * 2000-10-19 2014-08-05 Ariba, Inc. Method and apparatus for processing information related to interactive web sites
US7398226B2 (en) 2000-11-06 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
AU2002224473A1 (en) * 2000-11-06 2002-05-15 Electronic Warfare Associates A system and method for controlling online purchases using an online account
US7398225B2 (en) * 2001-03-29 2008-07-08 American Express Travel Related Services Company, Inc. System and method for networked loyalty program
US6839692B2 (en) * 2000-12-01 2005-01-04 Benedor Corporation Method and apparatus to provide secure purchase transactions over a computer network
CA2327935C (fr) * 2000-12-08 2013-10-22 Wmode Inc. Systeme et methode permettant la validation et la facturation de transactions en temps reel par l'intermediaire d'un reseau de communications
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
US20020103672A1 (en) * 2001-01-31 2002-08-01 Torres Joseph L. Pre-paid health care system and methods of providing same
FR2821225B1 (fr) * 2001-02-20 2005-02-04 Mobileway Systeme de paiement electronique a distance
US7222101B2 (en) 2001-02-26 2007-05-22 American Express Travel Related Services Company, Inc. System and method for securing data through a PDA portal
US7584149B1 (en) * 2001-02-26 2009-09-01 American Express Travel Related Services Company, Inc. System and method for securing data through a PDA portal
GB2372904B (en) * 2001-03-02 2004-09-08 Nokia Mobile Phones Ltd Electronic transactions
BR0207790A (pt) * 2001-03-19 2004-03-23 Diebold Inc Sistema de caixas automáticos ("atms"); método; método para procurar por uma pessoa
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US9031880B2 (en) * 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7543738B1 (en) * 2001-07-10 2009-06-09 American Express Travel Related Services Company, Inc. System and method for secure transactions manageable by a transaction account provider
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7925535B2 (en) * 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US20030018587A1 (en) * 2001-07-20 2003-01-23 Althoff Oliver T. Checkout system for on-line, card present equivalent interchanges
US7103576B2 (en) * 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US6970851B1 (en) * 2001-09-28 2005-11-29 Ncr Corporation System and method of configuring value cards
US8650103B2 (en) 2001-10-17 2014-02-11 Ebay, Inc. Verification of a person identifier received online
US20040030644A1 (en) * 2001-12-14 2004-02-12 Shaper Stephen J. Systems for facilitating card processing systems/improved risk control
US7793095B2 (en) 2002-06-06 2010-09-07 Hardt Dick C Distributed hierarchical identity management
US7693783B2 (en) 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
CA2492715C (fr) * 2002-06-12 2016-12-06 Cardinalcommerce Corporation Plate-forme commerciale universelle pour une authentification de paiement
US8412623B2 (en) 2002-07-15 2013-04-02 Citicorp Credit Services, Inc. Method and system for a multi-purpose transactional platform
US7792759B2 (en) * 2002-07-29 2010-09-07 Emv Co. Llc Methods for performing transactions in a wireless environment
US7401352B2 (en) * 2002-08-30 2008-07-15 International Business Machines Corporation Secure system and method for enforcement of privacy policy and protection of confidentiality
US20050044385A1 (en) * 2002-09-09 2005-02-24 John Holdsworth Systems and methods for secure authentication of electronic transactions
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
US20040267673A1 (en) * 2002-09-13 2004-12-30 Ballard Claudio R. Processing of credit card transactions using internet protocol
US20040050929A1 (en) * 2002-09-16 2004-03-18 Fayfield Robert W. Extranet security system and method
AU2003278991A1 (en) * 2002-09-25 2004-04-19 Telemac Corporation Method and system for managing local control of wlan access
US7664698B2 (en) * 2002-09-30 2010-02-16 Ifedayo Udiani Simplified internet payment, security, & tax administration protocol (SIPSTAP)
US20040078324A1 (en) * 2002-10-16 2004-04-22 Carl Lonnberg Systems and methods for authenticating a financial account at activation
US8073773B2 (en) 2002-11-01 2011-12-06 Checkfree Corporation Technique for identifying probable billers of a consumer
US7729996B2 (en) * 2002-11-01 2010-06-01 Checkfree Corporation Reuse of an EBP account through alternate authentication
US8473355B2 (en) * 2002-12-06 2013-06-25 Facebook, Inc. System and method for electronic wallet conversion
US20110202565A1 (en) * 2002-12-31 2011-08-18 American Express Travel Related Services Company, Inc. Method and system for implementing and managing an enterprise identity management for distributed security in a computer system
US20050160064A1 (en) * 2003-01-30 2005-07-21 Arto Lehtonen Confirming user rights in distribution of application programs
US7702916B2 (en) 2003-03-31 2010-04-20 Visa U.S.A. Inc. Method and system for secure authentication
US7342918B2 (en) * 2003-04-15 2008-03-11 American Express Travel Related Services Co., Inc. Transaction card information access web service
US8799121B2 (en) * 2003-05-15 2014-08-05 Cantor Index, Llc System and method for managing trading order requests
US8001039B2 (en) * 2003-05-15 2011-08-16 Cantor Index, Llc System and method for establishing and providing access to an online account
US7835974B2 (en) * 2003-05-15 2010-11-16 Cantor Index, LLC. System and method for managing risk associated with product transactions
US7996297B2 (en) 2003-05-15 2011-08-09 Cantor Index, Llc System and method for providing access to and managing account activity for an online account
US7925577B2 (en) 2003-05-15 2011-04-12 Cantor Index Llc System and method for establishing and providing access to various types of online accounts
AU2004252882A1 (en) * 2003-06-10 2005-01-06 Mastercard International Incorporated Systems and methods for conducting secure payment transactions using a formatted data structure
US7908215B2 (en) 2003-06-30 2011-03-15 American Express Travel Related Services Company, Inc. System and method for selection of payment systems from a payment system directory to process a transaction
US7401288B2 (en) * 2003-06-30 2008-07-15 International Business Machines Corporation Method and apparatus for transmitting accessibility requirements to a server
US20040268218A1 (en) * 2003-06-30 2004-12-30 International Business Machines Corporation Method and apparatus for transmitting locale objects
US20070106619A1 (en) * 2003-06-30 2007-05-10 Holdsworth John C Method of and system for authenticating a transaction initiated from a non-internet enabled device
US8666855B2 (en) 2003-06-30 2014-03-04 Plati Networking, Llc System and method for a payment system directory
EP1644861A4 (fr) * 2003-07-02 2009-05-13 Visa Int Service Ass Gestion d'activation de titulaires de carte dans un programme d'authentification securise
US7761374B2 (en) * 2003-08-18 2010-07-20 Visa International Service Association Method and system for generating a dynamic verification value
US7590837B2 (en) * 2003-08-23 2009-09-15 Softex Incorporated Electronic device security and tracking system and method
US20050060263A1 (en) * 2003-09-12 2005-03-17 Lior Golan System and method for authentication
EP1528451A1 (fr) * 2003-10-27 2005-05-04 Axalto S.A. Système d'authentification pour cartes à puce
US7792717B1 (en) * 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
US7039611B2 (en) * 2003-11-06 2006-05-02 Visa U.S.A., Inc. Managing attempts to initiate authentication of electronic commerce card transactions
US7653602B2 (en) 2003-11-06 2010-01-26 Visa U.S.A. Inc. Centralized electronic commerce card transactions
US20050125347A1 (en) * 2003-12-08 2005-06-09 Akialis Ronald P.Jr. Bill payment authorization system and method
US20050172229A1 (en) * 2004-01-29 2005-08-04 Arcot Systems, Inc. Browser user-interface security application
WO2005086802A2 (fr) 2004-03-08 2005-09-22 Proxense, Llc Systeme de compte lie utilisant une cle numerique personnelle
US8762283B2 (en) * 2004-05-03 2014-06-24 Visa International Service Association Multiple party benefit from an online authentication service
US7314164B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US7318550B2 (en) 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US8290862B2 (en) * 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US8290863B2 (en) * 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
JP4391375B2 (ja) * 2004-09-30 2009-12-24 フェリカネットワークス株式会社 情報管理装置および方法、並びにプログラム
US10248951B2 (en) 2004-12-01 2019-04-02 Metavante Corporation E-coupon settlement and clearing process
KR101104460B1 (ko) * 2004-12-10 2012-01-12 엘지엔시스(주) 금융아이씨카드로부터 복수 계좌 정보를 판독하는 방법 및 이 방법의 적용을 위한 금융아이씨카드
US8352730B2 (en) 2004-12-20 2013-01-08 Proxense, Llc Biometric personal data key (PDK) authentication
US20060149529A1 (en) * 2005-01-04 2006-07-06 Loc Nguyen Method for encoding messages between two devices for transmission over standard online payment networks
US7650308B2 (en) 2005-01-04 2010-01-19 Visa U.S.A. Inc. Auto substantiation for over-the-counter transactions
US20060149603A1 (en) * 2005-01-04 2006-07-06 Barbara Patterson Method and system for determining healthcare eligibility
US7431207B1 (en) * 2005-01-05 2008-10-07 American Express Travel Related Services Co., Inc. System and method for two-step payment transaction authorizations
US7566002B2 (en) * 2005-01-06 2009-07-28 Early Warning Services, Llc Identity verification systems and methods
US8291224B2 (en) * 2005-03-30 2012-10-16 Wells Fargo Bank, N.A. Distributed cryptographic management for computer systems
US8041646B2 (en) * 2005-06-15 2011-10-18 E. E. System Corporation Method and system for real time online debit transactions
US20070011172A1 (en) * 2005-07-05 2007-01-11 Netfire1 Pty Ltd Managed e-community trading environments
US8196818B2 (en) * 2005-07-13 2012-06-12 Mastercard International Incorporated Apparatus and method for integrated payment and electronic merchandise transfer
US7711114B2 (en) * 2005-09-19 2010-05-04 International Business Machines Corporation System and method for assigning sequence keys to a media player to enable flexible traitor tracing
US7630497B2 (en) * 2005-09-19 2009-12-08 International Business Machines Corporation System and method for assigning sequence keys to a media player to enable hybrid traitor tracing
US8660862B2 (en) * 2005-09-20 2014-02-25 Visa U.S.A. Inc. Determination of healthcare coverage using a payment account
CN102968604B (zh) 2005-09-28 2016-06-15 维萨国际服务协会 减少无接触交易的交互时间的设备，系统和方法
US8949146B2 (en) * 2005-12-31 2015-02-03 Michelle Fisher Method for purchasing tickets using a mobile communication device
US8275312B2 (en) 2005-12-31 2012-09-25 Blaze Mobile, Inc. Induction triggered transactions using an external NFC device
US20070156436A1 (en) 2005-12-31 2007-07-05 Michelle Fisher Method And Apparatus For Completing A Transaction Using A Wireless Mobile Communication Channel And Another Communication Channel
US8290433B2 (en) 2007-11-14 2012-10-16 Blaze Mobile, Inc. Method and system for securing transactions made through a mobile communication device
US8693995B2 (en) 2007-12-13 2014-04-08 Michelle Fisher Customized mobile applications for special interest groups
US8352323B2 (en) * 2007-11-30 2013-01-08 Blaze Mobile, Inc. Conducting an online payment transaction using an NFC enabled mobile communication device
US8219129B2 (en) 2006-01-06 2012-07-10 Proxense, Llc Dynamic real-time tiered client access
US11206664B2 (en) 2006-01-06 2021-12-21 Proxense, Llc Wireless network synchronization of cells and client devices on a network
US7657489B2 (en) 2006-01-18 2010-02-02 Mocapay, Inc. Systems and method for secure wireless payment transactions
US20070206743A1 (en) * 2006-02-23 2007-09-06 Industrial Technology Research Institute System and method for facilitating transaction over a communication network
US20070226210A1 (en) * 2006-03-24 2007-09-27 Walter Wolfgang E Automatic user defaults
US7818264B2 (en) 2006-06-19 2010-10-19 Visa U.S.A. Inc. Track data encryption
US20070288377A1 (en) * 2006-04-26 2007-12-13 Yosef Shaked System and method for authenticating a customer's identity and completing a secure credit card transaction without the use of a credit card number
US8412949B2 (en) 2006-05-05 2013-04-02 Proxense, Llc Personal digital key initialization and registration for secure transactions
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US8342399B1 (en) 2006-05-25 2013-01-01 Mcghie Sean I Conversion of credits to funds
US7703673B2 (en) 2006-05-25 2010-04-27 Buchheit Brian K Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
US8162209B2 (en) 2006-05-25 2012-04-24 Buchheit Brian K Storefront purchases utilizing non-negotiable credits earned from a game of chance
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US8376224B2 (en) 2006-05-25 2013-02-19 Sean I. Mcghie Self-service stations for utilizing non-negotiable credits earned from a game of chance
US8788284B2 (en) 2006-05-30 2014-07-22 Visa U.S.A. Inc. Method and system using combined healthcare-payment device and web portal for receiving patient medical information
US8660855B2 (en) 2006-06-08 2014-02-25 Visa U.S.A. Inc. System and method using extended authorization hold period
US7769599B2 (en) 2006-07-31 2010-08-03 Visa U.S.A. Inc. Electronic payment delivery service
JP5011899B2 (ja) * 2006-09-06 2012-08-29 富士通株式会社 書類発行システム
US7527208B2 (en) 2006-12-04 2009-05-05 Visa U.S.A. Inc. Bank issued contactless payment card used in transit fare collection
US8118223B2 (en) 2006-09-28 2012-02-21 Visa U.S.A. Inc. Smart sign mobile transit fare payment
US8346639B2 (en) 2007-02-28 2013-01-01 Visa U.S.A. Inc. Authentication of a data card using a transit verification value
US8523069B2 (en) 2006-09-28 2013-09-03 Visa U.S.A. Inc. Mobile transit fare payment
US8386349B2 (en) * 2007-02-28 2013-02-26 Visa U.S.A. Inc. Verification of a portable consumer device in an offline environment
US7761380B2 (en) * 2006-09-28 2010-07-20 Verifi, Inc. System and method for authenticating a payment instrument transaction originating from a non-internet channel
US8738485B2 (en) 2007-12-28 2014-05-27 Visa U.S.A. Inc. Contactless prepaid product for transit fare collection
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
CN101554005A (zh) 2006-10-11 2009-10-07 国际签证服务协会 处理小额付款交易的方法和系统
US9269221B2 (en) 2006-11-13 2016-02-23 John J. Gobbi Configuration of interfaces for a location detection system and application
US8504451B2 (en) * 2006-11-16 2013-08-06 Visa U.S.A. Inc. Method and system using candidate dynamic data elements
US10346837B2 (en) * 2006-11-16 2019-07-09 Visa U.S.A. Inc. Adaptive authentication options
CN101595491A (zh) 2006-12-26 2009-12-02 维萨美国股份有限公司 移动自动售货机购买
US9940627B2 (en) 2006-12-26 2018-04-10 Visa U.S.A. Inc. Mobile coupon method and system
US8615426B2 (en) 2006-12-26 2013-12-24 Visa U.S.A. Inc. Coupon offers from multiple entities
US7848980B2 (en) * 2006-12-26 2010-12-07 Visa U.S.A. Inc. Mobile payment system and method using alias
US7866551B2 (en) * 2007-02-15 2011-01-11 Visa U.S.A. Inc. Dynamic payment device characteristics
GB2447059B (en) * 2007-02-28 2009-09-30 Secoren Ltd Authorisation system
US20080215346A1 (en) * 2007-03-02 2008-09-04 Neteller Plc Systems and methods for identity verification
JP5186790B2 (ja) * 2007-04-06 2013-04-24 日本電気株式会社 電子マネー取引方法、及び電子マネーシステム
JP4548441B2 (ja) * 2007-04-11 2010-09-22 日本電気株式会社 コンテンツ利用システム、及びコンテンツ利用方法
US20080272188A1 (en) 2007-05-02 2008-11-06 I4 Commerce Inc. Distributed system for commerce
US11257080B2 (en) 2007-05-04 2022-02-22 Michael Sasha John Fraud deterrence for secure transactions
US8078515B2 (en) * 2007-05-04 2011-12-13 Michael Sasha John Systems and methods for facilitating electronic transactions and deterring fraud
WO2008144772A1 (fr) * 2007-05-24 2008-11-27 Arpu, Inc. Promotion d'abonnements et système et procédé associés
US20080300895A1 (en) * 2007-06-04 2008-12-04 Monk Justin T Method and system for handling returned payment card account statements
US7860790B2 (en) * 2007-06-04 2010-12-28 Visa U.S.A. Inc. Systems and methods for automatic migration of a consumer between financial accounts
US8290832B2 (en) * 2007-06-04 2012-10-16 Visa U.S.A. Inc. Method and system for handling returned prepaid payment cards
US7809637B2 (en) * 2007-06-04 2010-10-05 Visa U.S.A. Inc. Portability of financial tokens
US7627522B2 (en) * 2007-06-04 2009-12-01 Visa U.S.A. Inc. System, apparatus and methods for comparing fraud parameters for application during prepaid card enrollment and transactions
US8165938B2 (en) * 2007-06-04 2012-04-24 Visa U.S.A. Inc. Prepaid card fraud and risk management
US8146806B2 (en) * 2007-06-04 2012-04-03 Visa U.S.A. Inc. Prepaid negative balance fee processing and fee diversion
US7788151B2 (en) * 2007-06-25 2010-08-31 Mfoundry, Inc. Systems and methods for accessing a secure electronic environment with a mobile device
US8121942B2 (en) 2007-06-25 2012-02-21 Visa U.S.A. Inc. Systems and methods for secure and transparent cardless transactions
US8924308B1 (en) 2007-07-18 2014-12-30 Playspan, Inc. Apparatus and method for secure fulfillment of transactions involving virtual items
US8359630B2 (en) 2007-08-20 2013-01-22 Visa U.S.A. Inc. Method and system for implementing a dynamic verification value
US9292850B2 (en) 2007-09-10 2016-03-22 Visa U.S.A. Inc. Host capture
US8170527B2 (en) 2007-09-26 2012-05-01 Visa U.S.A. Inc. Real-time balance on a mobile phone
US8549279B1 (en) 2007-10-23 2013-10-01 United Parcel Service Of America, Inc. Encryption and tokenization architectures
US8311913B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8311914B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US8374932B2 (en) * 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8341046B2 (en) 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
WO2009062194A1 (fr) 2007-11-09 2009-05-14 Proxense, Llc Capteur de proximité de support de services d'applications multiples
US8811968B2 (en) * 2007-11-21 2014-08-19 Mfoundry, Inc. Systems and methods for executing an application on a mobile device
US8171528B1 (en) 2007-12-06 2012-05-01 Proxense, Llc Hybrid device having a personal digital key and receiver-decoder circuit and methods of use
US20090157555A1 (en) * 2007-12-12 2009-06-18 American Express Travel Related Services Company, Bill payment system and method
US9251332B2 (en) 2007-12-19 2016-02-02 Proxense, Llc Security system and method for controlling access to computing resources
US20090182675A1 (en) * 2008-01-04 2009-07-16 Brody Edward Method and system for conducting electronic commerce over a network using a shadow credit card number
CA2711936A1 (fr) * 2008-01-15 2009-07-23 Matthew Mullen Systeme et procede de completement de donnees comprenant un identifiant du pousser
US8508336B2 (en) 2008-02-14 2013-08-13 Proxense, Llc Proximity-based healthcare management system with automatic access to private information
US8799814B1 (en) 2008-02-22 2014-08-05 Amazon Technologies, Inc. Automated targeting of content components
US20090281904A1 (en) * 2008-04-02 2009-11-12 Pharris Dennis J Mobile telephone transaction systems and methods
US11120449B2 (en) 2008-04-08 2021-09-14 Proxense, Llc Automated service-based order processing
US9483783B1 (en) * 2008-04-16 2016-11-01 Intuit Inc. Purchase system using a computing device
US10504124B2 (en) 2008-04-21 2019-12-10 Verizon Patent And Licensing Inc. Aggregation and use of information relating to a users context for personalized advertisements
US20090265764A1 (en) * 2008-04-21 2009-10-22 Verizon Business Network Services Inc. Aggregation and use of information relating to a users context
US9715709B2 (en) 2008-05-09 2017-07-25 Visa International Services Association Communication device including multi-part alias identifier
US10157375B2 (en) 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8762210B2 (en) 2008-06-03 2014-06-24 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US20090319406A1 (en) * 2008-06-05 2009-12-24 Keith Sibson Systems and Methods for Efficient Bill Payment
WO2010005681A1 (fr) 2008-06-16 2010-01-14 Visa U.S.A. Inc. Système et procédé d’autorisation de transactions financières avec des marchands en ligne
US9542687B2 (en) 2008-06-26 2017-01-10 Visa International Service Association Systems and methods for visual representation of offers
US9704161B1 (en) 2008-06-27 2017-07-11 Amazon Technologies, Inc. Providing information without authentication
US9449319B1 (en) 2008-06-30 2016-09-20 Amazon Technologies, Inc. Conducting transactions with dynamic passwords
US8788945B1 (en) * 2008-06-30 2014-07-22 Amazon Technologies, Inc. Automatic approval
US20130247153A1 (en) * 2012-03-16 2013-09-19 Secureall Corporation Electronic apparatuses and methods for access control and for data integrity verification
US10128893B2 (en) 2008-07-09 2018-11-13 Secureall Corporation Method and system for planar, multi-function, multi-power sourced, long battery life radio communication appliance
US10447334B2 (en) 2008-07-09 2019-10-15 Secureall Corporation Methods and systems for comprehensive security-lockdown
US11469789B2 (en) 2008-07-09 2022-10-11 Secureall Corporation Methods and systems for comprehensive security-lockdown
US8090650B2 (en) * 2008-07-24 2012-01-03 At&T Intellectual Property I, L.P. Secure payment service and system for interactive voice response (IVR) systems
US8219489B2 (en) 2008-07-29 2012-07-10 Visa U.S.A. Inc. Transaction processing using a global unique identifier
US8447669B2 (en) 2008-08-26 2013-05-21 Visa U.S.A. Inc. System and method for implementing financial assistance programs
US10706402B2 (en) 2008-09-22 2020-07-07 Visa International Service Association Over the air update of payment transaction data stored in secure memory
US9824355B2 (en) 2008-09-22 2017-11-21 Visa International Service Association Method of performing transactions with contactless payment devices using pre-tap and two-tap operations
US8977567B2 (en) 2008-09-22 2015-03-10 Visa International Service Association Recordation of electronic payment transaction information
US8965811B2 (en) * 2008-10-04 2015-02-24 Mastercard International Incorporated Methods and systems for using physical payment cards in secure E-commerce transactions
AU2009311303B2 (en) 2008-11-06 2015-09-10 Visa International Service Association Online challenge-response
EP2192540A1 (fr) * 2008-11-28 2010-06-02 Gemalto Canada Inc. Objet portable comportant un afficheur et application à la réalisation de transactions électroniques
US11372954B2 (en) * 2008-12-24 2022-06-28 Mastercard International Incorporated Systems and methods for authenticating an identity of a user of a transaction card
GB2466676A (en) 2009-01-06 2010-07-07 Visa Europe Ltd A method of processing payment authorisation requests
GB2466810A (en) 2009-01-08 2010-07-14 Visa Europe Ltd Processing payment authorisation requests
GB0901407D0 (en) * 2009-01-28 2009-03-11 Validsoft Uk Ltd Card false-positive prevention
US8777100B2 (en) * 2009-03-13 2014-07-15 Feitian Technologies Co., Ltd. Method for inputting a password and a device therefor
US8401964B2 (en) * 2009-04-28 2013-03-19 Mastercard International Incorporated Apparatus, method, and computer program product for encoding enhanced issuer information in a card
US9715681B2 (en) 2009-04-28 2017-07-25 Visa International Service Association Verification of portable consumer devices
EP2430601B1 (fr) * 2009-04-28 2019-02-20 Mastercard International Incorporated Appareil, procédé et produit programme d'ordinateur pour fournir un mécanisme de contrôle de qualité pour l'interface sans contact d'une carte à double interface
US8893967B2 (en) 2009-05-15 2014-11-25 Visa International Service Association Secure Communication of payment information to merchants using a verification token
US9038886B2 (en) 2009-05-15 2015-05-26 Visa International Service Association Verification of portable consumer devices
US8534564B2 (en) 2009-05-15 2013-09-17 Ayman Hammad Integration of verification tokens with mobile communication devices
US9105027B2 (en) * 2009-05-15 2015-08-11 Visa International Service Association Verification of portable consumer device for secure services
US20100312703A1 (en) * 2009-06-03 2010-12-09 Ashish Kulpati System and method for providing authentication for card not present transactions using mobile device
US8413905B2 (en) 2009-10-05 2013-04-09 Visa U.S.A. Inc. Portable prescription transaction payment device
US8939356B2 (en) 2009-06-08 2015-01-27 Visa International Service Association Portable prescription payment device management platform apparautses, methods and systems
US20100332240A1 (en) * 2009-06-24 2010-12-30 Microsoft Corporation Decentralized account digest using signed electronic receipts
US8825548B2 (en) * 2009-06-30 2014-09-02 Ebay Inc. Secure authentication between multiple parties
US10438181B2 (en) * 2009-07-22 2019-10-08 Visa International Service Association Authorizing a payment transaction using seasoned data
US8200260B2 (en) * 2009-08-11 2012-06-12 Ericsson Television, Inc. Systems and methods for processing purchase transactions between mobile phones
US10074081B1 (en) 2009-08-14 2018-09-11 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device
US20110166872A1 (en) * 2009-08-14 2011-07-07 Cervenka Karen L Auto-substantiation for healthcare upon sponsor account through payment processing system
US10614458B2 (en) 2009-08-14 2020-04-07 Visa U.S.A. Inc. Influenza vaccine administration payment device processing
US10515427B1 (en) 2009-08-14 2019-12-24 Citicorp Credit Services, Inc. (Usa) Methods and systems for use of a prepaid payment device for a healthcare service or product
JP2011061635A (ja) 2009-09-11 2011-03-24 Brother Industries Ltd 画像形成装置および画像形成装置を制御するためのコンピュータプログラム
FR2950768A1 (fr) * 2009-09-30 2011-04-01 Xiring Sa Systeme et procede de transaction securisee en ligne
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US20110106701A1 (en) * 2009-10-30 2011-05-05 Intuit Inc. Method and apparatus for performing voice-based credit card processing
ES2672920T3 (es) 2010-01-19 2018-06-18 Bluechain Pty Ltd Procedimiento, dispositivo y sistema para asegurar datos de pago para la transmisión a través de redes de comunicación abiertas
US10255601B2 (en) * 2010-02-25 2019-04-09 Visa International Service Association Multifactor authentication using a directory server
US9418205B2 (en) 2010-03-15 2016-08-16 Proxense, Llc Proximity-based system for automatic application or data access and item tracking
US8548926B2 (en) * 2010-04-13 2013-10-01 Mastercard International Incorporated Method and apparatus for global replacement card services
US20110265151A1 (en) * 2010-04-22 2011-10-27 John Furlan Method of adding a client device or service to a wireless network
US8566243B1 (en) * 2010-07-15 2013-10-22 Cellco Partnership Secure E-mail billing
US8918854B1 (en) 2010-07-15 2014-12-23 Proxense, Llc Proximity-based system for automatic application initialization
US20120209677A1 (en) 2010-10-20 2012-08-16 Mehta Kaushal N Person-2-person social network marketing apparatuses, methods and systems
US11562345B2 (en) 2016-09-08 2023-01-24 Stripe, Inc. EMV kernel for faster processing
US8621168B2 (en) 2010-12-17 2013-12-31 Google Inc. Partitioning the namespace of a contactless smart card
US8352749B2 (en) 2010-12-17 2013-01-08 Google Inc. Local trusted services manager for a contactless smart card
US8646059B1 (en) 2010-12-17 2014-02-04 Google Inc. Wallet application for interacting with a secure element application without a trusted server for authentication
US9691055B2 (en) 2010-12-17 2017-06-27 Google Inc. Digital wallet
US8898761B2 (en) * 2011-01-13 2014-11-25 International Business Machines Corporation Systems and methods for generating and validating configuration files for computing devices
WO2012106655A2 (fr) 2011-02-05 2012-08-09 Visa International Service Association Appareils, procédés et systèmes de plateforme de liaison marchand-consommateur
US20120203663A1 (en) * 2011-02-07 2012-08-09 Carpadium Consulting Pty. Ltd. Method and apparatus for authentication utilizing location
WO2012109628A2 (fr) 2011-02-10 2012-08-16 Visa International Service Assocation Appareils, procédés et systèmes d'émission et de remboursement de coupons électroniques
US10586227B2 (en) 2011-02-16 2020-03-10 Visa International Service Association Snap mobile payment apparatuses, methods and systems
WO2012112822A2 (fr) 2011-02-16 2012-08-23 Visa International Service Association Appareils, procédés et systèmes de paiement mobile sans contact (« snap »)
US9265450B1 (en) 2011-02-21 2016-02-23 Proxense, Llc Proximity-based system for object tracking and automatic application initialization
US10223691B2 (en) 2011-02-22 2019-03-05 Visa International Service Association Universal electronic payment apparatuses, methods and systems
US8751381B2 (en) 2011-02-23 2014-06-10 Mastercard International Incorporated Demand deposit account payment system
US20120221466A1 (en) * 2011-02-28 2012-08-30 Thomas Finley Look Method for improved financial transactions
US9773212B2 (en) 2011-02-28 2017-09-26 Visa International Service Association Secure anonymous transaction apparatuses, methods and systems
US9996838B2 (en) 2011-03-04 2018-06-12 Visa International Service Association Cloud service facilitator apparatuses, methods and systems
EP2681701A4 (fr) 2011-03-04 2014-08-20 Visa Int Service Ass Intégration d'une fonctionnalité de paiement dans des éléments sécurisés d'ordinateurs
US9020431B2 (en) * 2011-03-17 2015-04-28 Blackberry Limited Methods and apparatus to obtain transaction information
US9589266B2 (en) 2011-04-01 2017-03-07 Visa International Service Association Restricted-use account payment administration apparatuses, methods and systems
US9760871B1 (en) 2011-04-01 2017-09-12 Visa International Service Association Event-triggered business-to-business electronic payment processing apparatuses, methods and systems
GB201105765D0 (en) 2011-04-05 2011-05-18 Visa Europe Ltd Payment system
WO2012141885A1 (fr) * 2011-04-15 2012-10-18 Mastercard International, Inc. Mise à niveau de services d'annulation de paiements récurrents
WO2012155081A1 (fr) 2011-05-11 2012-11-15 Visa International Service Association Appareils, procédés et systèmes de gestionnaire de reçus électroniques
US9275239B2 (en) 2011-05-27 2016-03-01 Hewlett-Packard Development Company, L.P. Transaction gateway
US8538845B2 (en) 2011-06-03 2013-09-17 Mozido, Llc Monetary transaction system
EP2715633A4 (fr) 2011-06-03 2014-12-17 Visa Int Service Ass Appareils, procédés et systèmes de sélection de carte de portefeuille virtuel
US20130159154A1 (en) * 2011-08-18 2013-06-20 Thomas Purves Wallet service enrollment platform apparatuses, methods and systems
US9582598B2 (en) 2011-07-05 2017-02-28 Visa International Service Association Hybrid applications utilizing distributed models and views apparatuses, methods and systems
US10121129B2 (en) 2011-07-05 2018-11-06 Visa International Service Association Electronic wallet checkout platform apparatuses, methods and systems
US9355393B2 (en) 2011-08-18 2016-05-31 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10438176B2 (en) 2011-07-17 2019-10-08 Visa International Service Association Multiple merchant payment processor platform apparatuses, methods and systems
US8825512B2 (en) * 2011-08-10 2014-09-02 Verizon Patent And Licensing, Inc. Persistent network-based electronic transaction services
US9710807B2 (en) 2011-08-18 2017-07-18 Visa International Service Association Third-party value added wallet features and interfaces apparatuses, methods and systems
US10318941B2 (en) 2011-12-13 2019-06-11 Visa International Service Association Payment platform interface widget generation apparatuses, methods and systems
US10825001B2 (en) 2011-08-18 2020-11-03 Visa International Service Association Multi-directional wallet connector apparatuses, methods and systems
US10242358B2 (en) 2011-08-18 2019-03-26 Visa International Service Association Remote decoupled application persistent state apparatuses, methods and systems
US9008616B2 (en) 2011-08-19 2015-04-14 Google Inc. Point of sale processing initiated by a single tap
US9508072B2 (en) * 2011-08-26 2016-11-29 Paypal, Inc. Secure payment instruction system
US8171525B1 (en) 2011-09-15 2012-05-01 Google Inc. Enabling users to select between secure service providers using a central trusted service manager
US8255687B1 (en) 2011-09-15 2012-08-28 Google Inc. Enabling users to select between secure service providers using a key escrow service
US8313036B1 (en) 2011-09-16 2012-11-20 Google Inc. Secure application directory
US9117225B2 (en) 2011-09-16 2015-08-25 Visa International Service Association Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs
US9390414B2 (en) 2011-09-18 2016-07-12 Google Inc. One-click offline buying
US10223730B2 (en) 2011-09-23 2019-03-05 Visa International Service Association E-wallet store injection search apparatuses, methods and systems
FI20115945A0 (fi) * 2011-09-28 2011-09-28 Onsun Oy Maksujärjestelmä
US9123033B2 (en) * 2011-11-02 2015-09-01 Mastercard International Incorporated Receipt processing and access service
US20130124415A1 (en) * 2011-11-11 2013-05-16 Ebay Inc. Systems and methods for secure authentication using a watermark
EP2595122A1 (fr) * 2011-11-15 2013-05-22 Gemalto SA Procédé pour inscrire et authentifier un détenteur de carte
US9208488B2 (en) 2011-11-21 2015-12-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US10438196B2 (en) 2011-11-21 2019-10-08 Mozido, Inc. Using a mobile wallet infrastructure to support multiple mobile wallet providers
US12072989B2 (en) 2011-12-09 2024-08-27 Sertainty Corporation System and methods for using cipher objects to protect data
US9792451B2 (en) 2011-12-09 2017-10-17 Echarge2 Corporation System and methods for using cipher objects to protect data
US9953378B2 (en) 2012-04-27 2018-04-24 Visa International Service Association Social checkout widget generation and integration apparatuses, methods and systems
US10096022B2 (en) 2011-12-13 2018-10-09 Visa International Service Association Dynamic widget generator apparatuses, methods and systems
US9317672B2 (en) * 2011-12-14 2016-04-19 Visa International Service Association Online account access control by mobile device
US10223710B2 (en) 2013-01-04 2019-03-05 Visa International Service Association Wearable intelligent vision device apparatuses, methods and systems
US10262148B2 (en) 2012-01-09 2019-04-16 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
US11308227B2 (en) 2012-01-09 2022-04-19 Visa International Service Association Secure dynamic page content and layouts apparatuses, methods and systems
KR20170001745A (ko) * 2012-01-13 2017-01-04 이베이 인크. Emv 카드 판독기들과 협력하여 지불을 제공하는 시스템, 방법 및 컴퓨터 프로그램 제품
US20130185207A1 (en) * 2012-01-17 2013-07-18 Mastercard International Incorporated Method and system for online authentication using a credit/debit card processing system
AU2014268144B2 (en) * 2012-01-27 2016-08-11 Google Llc Fraud protection for online and nfc purchases
AU2013214801B2 (en) 2012-02-02 2018-06-21 Visa International Service Association Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems
US10496990B2 (en) 2012-02-22 2019-12-03 Visa International Service Association Data security system using mobile communications device
KR20130098007A (ko) * 2012-02-27 2013-09-04 전용덕 개인 익명화 코드를 이용한 인증 통합 관리/운용 시스템 및 그 방법과 준 공공적 통합인증센터
US8385553B1 (en) 2012-02-28 2013-02-26 Google Inc. Portable secure element
US8955086B2 (en) * 2012-03-16 2015-02-10 Red Hat, Inc. Offline authentication
US8429409B1 (en) 2012-04-06 2013-04-23 Google Inc. Secure reset of personal and service provider information on mobile devices
US8774721B2 (en) 2012-04-10 2014-07-08 Google Inc. Detecting a communication tap via signal monitoring
WO2013158394A1 (fr) * 2012-04-19 2013-10-24 1Cart.Me, Llc Panier d'achat électronique persistant et unifié
WO2013165759A1 (fr) * 2012-05-04 2013-11-07 Paytel, Inc. Réalisation de transaction rapide à l'aide d'un dispositif mobile
WO2013169926A1 (fr) * 2012-05-08 2013-11-14 Visa International Service Association, Inc. Système et procédé d'authentification à l'aide d'un protocole de paiement
CN103446201B (zh) 2012-05-29 2017-11-24 江中药业股份有限公司 一种防治过敏性疾病的组合物及其制备方法
US10515363B2 (en) * 2012-06-12 2019-12-24 Square, Inc. Software PIN entry
US20130347075A1 (en) * 2012-06-22 2013-12-26 Tyfone, Inc. Method and apparatus for secure consolidation of cloud services
US9563891B2 (en) * 2012-07-09 2017-02-07 Google Inc. Systems, methods, and computer program products for integrating third party services with a mobile wallet
EP2883197A4 (fr) * 2012-08-10 2016-01-27 Mastercard International Inc Enregistrement et génération automatiques de références de paiements de consommateurs au moyen de dispositifs connectés à internet
CN102843681A (zh) * 2012-08-15 2012-12-26 腾讯科技（深圳）有限公司 信息交互方法和装置
US10475024B1 (en) 2012-10-15 2019-11-12 Square, Inc. Secure smart card transactions
US10176478B2 (en) 2012-10-23 2019-01-08 Visa International Service Association Transaction initiation determination system utilizing transaction data elements
DE102012112967B4 (de) 2012-12-21 2016-06-16 Sqwin Sa online Transaktionssystem
KR101330867B1 (ko) * 2012-12-27 2013-11-18 신한카드 주식회사 결제 디바이스에 대한 상호인증 방법
US9947007B2 (en) 2013-01-27 2018-04-17 Barry Greenbaum Payment information technologies
US9613377B2 (en) 2013-03-15 2017-04-04 Visa International Service Association Account provisioning authentication
GB2513632A (en) * 2013-05-02 2014-11-05 Paythru Ltd System and method for merchant authentication
US9405898B2 (en) 2013-05-10 2016-08-02 Proxense, Llc Secure element as a digital pocket
KR101354887B1 (ko) 2013-05-20 2014-01-23 나이스평가정보 주식회사 비 대면 서비스 이용자 본인인증 지원시스템
EP2830014A1 (fr) * 2013-07-23 2015-01-28 Amadeus S.A.S. Système de traitement de paiement de canal sécurisé et procédé
US10366391B2 (en) 2013-08-06 2019-07-30 Visa International Services Association Variable authentication process and system
US9953311B2 (en) 2013-09-25 2018-04-24 Visa International Service Association Systems and methods for incorporating QR codes
CN104574050B (zh) * 2013-10-28 2018-09-07 腾讯科技（深圳）有限公司 在线结算的方法、装置及系统
US20150120559A1 (en) 2013-10-29 2015-04-30 Douglas Fisher Enhancements to transaction processing in a secure environment
US8930274B1 (en) 2013-10-30 2015-01-06 Google Inc. Securing payment transactions with rotating application transaction counters
US11823190B2 (en) * 2013-12-09 2023-11-21 Mastercard International Incorporated Systems, apparatus and methods for improved authentication
US9922322B2 (en) * 2013-12-19 2018-03-20 Visa International Service Association Cloud-based transactions with magnetic secure transmission
CN115082065A (zh) 2013-12-19 2022-09-20 维萨国际服务协会 基于云的交易方法和系统
SG2014008932A (en) 2014-02-06 2015-09-29 Mastercard Asia Pacific Pte Ltd A method and a corresponding proxy server, system, computer-readable storage medium and computer program
US10096027B2 (en) * 2014-03-12 2018-10-09 The Toronto-Dominion Bank System and method for authorizing a debit transaction without user authentication
EP4064101B1 (fr) * 2014-03-19 2024-03-06 Bluefin Payment Systems, LLC Systèmes et procédés de création d'empreintes digitales de dispositifs de cryptage
US10176542B2 (en) * 2014-03-24 2019-01-08 Mastercard International Incorporated Systems and methods for identity validation and verification
US9590983B2 (en) * 2014-04-09 2017-03-07 Cardex Systems Inc. Self-authenticating chips
KR101602465B1 (ko) 2014-05-08 2016-03-10 주식회사 케이티 대표 카드를 이용하는 신용 카드 결제 장치, 신용 카드 결제 시스템 및 신용 카드 결제 방법
US10373154B2 (en) * 2014-05-19 2019-08-06 Mastercard International Incorporated Apparatus, method, and computer program product for settlement to a merchant's card account using an on-line bill payment platform
EP3146747B1 (fr) * 2014-05-21 2020-07-01 Visa International Service Association Authentification hors ligne
US9760740B1 (en) 2014-06-23 2017-09-12 Square, Inc. Terminal case with integrated dual reader stack
US10108947B2 (en) * 2014-07-31 2018-10-23 Square, Inc. Smart card reader with public key index on host device
US9775029B2 (en) 2014-08-22 2017-09-26 Visa International Service Association Embedding cloud-based functionalities in a communication device
US20160078444A1 (en) 2014-09-16 2016-03-17 Mastercard International Incorporated Systems and methods for providing fraud indicator data within an authentication protocol
US10891622B2 (en) * 2014-11-13 2021-01-12 Mastercard International Incorporated Providing online cardholder authentication services on-behalf-of issuers
US10753982B2 (en) 2014-12-09 2020-08-25 Square, Inc. Monitoring battery health of a battery used in a device
US11216468B2 (en) 2015-02-08 2022-01-04 Visa International Service Association Converged merchant processing apparatuses, methods and systems
US11367077B2 (en) 2015-06-11 2022-06-21 Idid Tecnologia Ltda Antifraud resilient transaction identifier datastructure apparatuses, methods and systems
US11715109B2 (en) 2015-06-11 2023-08-01 Idid Tecnologia Ltda Point of sale apparatuses, methods and systems
US20200402049A1 (en) * 2015-06-11 2020-12-24 APPI Technologia S/A (D.B.A. MUXI) Antifraud Resilient Transaction Identifier Datastructure Apparatuses, Methods and Systems
EP3341906B1 (fr) * 2015-08-27 2022-04-13 Mastercard International Incorporated Systèmes et procédés pour surveiller des procédures d'authentification informatique
KR20170028015A (ko) * 2015-09-03 2017-03-13 엔에이치엔엔터테인먼트 주식회사 휴대용 단말기를 이용한 온라인 신용카드 결제 시스템 및 결제 방법
US10430795B2 (en) 2015-11-18 2019-10-01 Mastercard International Incorporated Rules engine for applying rules from a reviewing network to signals from an originating network
US10339529B2 (en) * 2015-11-18 2019-07-02 Mastercard Internatioinal Incorporated Rules engine for applying rules from a reviewing network to signals from an originating network
US10789587B2 (en) 2015-12-15 2020-09-29 Visa International Service Association Wireless short range communication link transmission of line item data in real time
WO2017152037A1 (fr) 2016-03-04 2017-09-08 1Usf, Inc. Systèmes et procédés destinés aux codecs et récipients multimédia
WO2017184840A1 (fr) * 2016-04-21 2017-10-26 Mastercard International Incorporated Procédé et système destinés aux transactions sans contact sans éléments d'identification d'utilisateur
US10187366B2 (en) 2016-04-28 2019-01-22 Visa International Service Association Systems and methods of user authentication for data services
KR101806390B1 (ko) * 2016-05-31 2017-12-07 주식회사지니 생체 정보를 이용한 카드 결제 처리 시스템 및 그의 처리 방법
BR112018076196A2 (pt) 2016-07-11 2019-03-26 Visa International Service Association método, e, dispositivos de comunicação portátil e de acesso.
RU2716042C1 (ru) 2016-07-15 2020-03-05 Кардиналкоммерс Корпорейшн Мост между аутентификацией и авторизацией с использованием расширенных сообщений
US11488173B1 (en) 2016-09-08 2022-11-01 Stripe, Inc. Managed EMV kernel for faster processing
US11429970B2 (en) 2016-09-08 2022-08-30 Stripe, Inc. Managed integrated payment environment
US11005650B2 (en) 2016-10-19 2021-05-11 Stripe, Inc. Systems and methods for data management and the use of salts and keys in data encryption/decryption
US12056675B1 (en) * 2016-10-25 2024-08-06 Worldpay, Llc Browser plug-in enabling use of EMV card information
KR101876493B1 (ko) * 2016-11-10 2018-08-02 (주)지니정보통신 영상 인식을 이용한 카드 결제 처리 시스템 및 그의 처리 방법
US11423395B1 (en) 2016-12-29 2022-08-23 Wells Fargo Bank, N.A. Pay with points virtual card
US11315137B1 (en) * 2016-12-29 2022-04-26 Wells Fargo Bank, N.A. Pay with points virtual card
US11144912B2 (en) * 2017-05-12 2021-10-12 Makecents Llc Authentication bypass software for merchant terminals
US20200250650A1 (en) * 2017-08-25 2020-08-06 Google Llc Mobile Device Security for Electronic Payments
KR101970152B1 (ko) * 2017-09-22 2019-04-17 코나아이 (주) 멀티 카드 및 이를 이용한 결제 방법
US11429951B1 (en) 2017-10-20 2022-08-30 Stripe, Inc. Secure data management for sensitive information
EP3503001A1 (fr) * 2017-12-20 2019-06-26 Mastercard International Incorporated Authentification de marchandises
SG10201800338TA (en) * 2018-01-15 2019-08-27 Mastercard International Inc User authentication systems and methods
CN116346461A (zh) 2018-04-24 2023-06-27 维萨国际服务协会 高效和安全的认证系统
FR3080693B1 (fr) 2018-04-30 2021-10-08 Ledger Authentification mutuelle d'un dispositif ou d'un systeme contenant des donnees sensibles ou confidentielles commandable par un utilisateur
US20190392449A1 (en) 2018-06-22 2019-12-26 Mastercard International Incorporated Systems and methods for authenticating online users
EP3660771A1 (fr) 2018-11-29 2020-06-03 Mastercard International Incorporated Authentification en ligne
US11494769B2 (en) 2019-01-10 2022-11-08 Mastercard International Incorporated System, methods and computer program products for identity authentication for electronic payment transactions
CN111726320B (zh) 2019-03-19 2022-08-30 阿里巴巴集团控股有限公司 数据处理方法、装置及设备
US11232454B2 (en) * 2019-11-14 2022-01-25 Bank Of America Corporation Authentication framework for real-time document processing
SG10201911045RA (en) 2019-11-22 2021-06-29 Mastercard Asia Pacific Pte Ltd Electronic system and computerized method for controlling operation of service devices
US11354655B2 (en) * 2020-04-29 2022-06-07 Capital One Services, Llc Enhancing merchant databases using crowdsourced browser data
US11121989B1 (en) 2020-05-29 2021-09-14 Bank Of America Corporation Centralized repository and communication system for cross-network interactions
US12088737B2 (en) * 2020-07-02 2024-09-10 EMC IP Holding Company LLC Method to establish an application level SSL certificate hierarchy between master node and capacity nodes based on hardware level certificate hierarchy
US11954680B2 (en) 2020-10-23 2024-04-09 Mastercard International Incorporated Devices, methods and computer readable mediums for providing access control
US11689538B2 (en) 2020-10-28 2023-06-27 Capital One Services, Llc Methods and systems for authentication for high-risk communications
US20220138803A1 (en) * 2020-11-02 2022-05-05 Jpmorgan Chase Bank, N.A. Systems and methods for payment product verification and authorization using a customer identifier
JP6901181B1 (ja) * 2020-11-20 2021-07-14 株式会社アクリート 決済方法及びプログラム
US12021861B2 (en) 2021-01-04 2024-06-25 Bank Of America Corporation Identity verification through multisystem cooperation
US20220222665A1 (en) * 2021-01-11 2022-07-14 Jpmorgan Chase Bank , N.A. Systems and methods for reduced infrastructure payment authentication
US20230068700A1 (en) * 2021-08-27 2023-03-02 Visa International Service Association System, Method, and Computer Program Product for Transaction Based Activation
US11823191B1 (en) * 2022-08-29 2023-11-21 Block, Inc. Integration for performing actions without additional authorization requests

Citations (118)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5163098A (en) 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5267315A (en) 1988-10-18 1993-11-30 Oki Electric Industry Co., Ltd. Secret identification number checking system
US5420926A (en) 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US5442342A (en) 1990-08-29 1995-08-15 Hughes Aircraft Company Distributed user authentication protocol
US5485510A (en) 1992-09-29 1996-01-16 At&T Corp. Secure credit/debit card authorization
US5544322A (en) 1994-05-09 1996-08-06 International Business Machines Corporation System and method for policy-based inter-realm authentication within a distributed processing system
US5671279A (en) 1995-11-13 1997-09-23 Netscape Communications Corporation Electronic commerce using a secure courier system
US5684950A (en) 1996-09-23 1997-11-04 Lockheed Martin Corporation Method and system for authenticating users to multiple computer servers via a single sign-on
US5712913A (en) 1994-02-08 1998-01-27 Digicash Incorporated Limited-traceability systems
US5778065A (en) 1993-09-20 1998-07-07 International Business Machines Corporation Method and system for changing an authorization password or key in a distributed communication network
US5793028A (en) 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system
US5815665A (en) 1996-04-03 1998-09-29 Microsoft Corporation System and method for providing trusted brokering services over a distributed network
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5826241A (en) 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5835896A (en) 1996-03-29 1998-11-10 Onsale, Inc. Method and system for processing and transmitting electronic auction information
US5845265A (en) 1995-04-26 1998-12-01 Mercexchange, L.L.C. Consignment nodes
US5845070A (en) 1996-12-18 1998-12-01 Auric Web Systems, Inc. Security system for internet provider transaction
EP0896284A1 (fr) 1997-08-05 1999-02-10 Fujitsu Limited Compression et décompression de données
US5884272A (en) 1996-09-06 1999-03-16 Walker Asset Management Limited Partnership Method and system for establishing and maintaining user-controlled anonymous communications
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US5903878A (en) 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US5903882A (en) * 1996-12-13 1999-05-11 Certco, Llc Reliance server for electronic transaction system
US5903721A (en) 1997-03-13 1999-05-11 cha|Technologies Services, Inc. Method and system for secure online transaction processing
US5909492A (en) 1994-10-24 1999-06-01 Open Market, Incorporated Network sales system
US5930777A (en) 1997-04-15 1999-07-27 Barber; Timothy P. Method of charging for pay-per-access information over a network
US5970475A (en) * 1997-10-10 1999-10-19 Intelisys Electronic Commerce, Llc Electronic procurement system and method for trading partners
US5991738A (en) 1996-02-05 1999-11-23 Ogram; Mark E. Automated credit card processing
US5999596A (en) 1998-03-06 1999-12-07 Walker Asset Management Limited Method and system for controlling authorization of credit card transactions
US6016476A (en) 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US6029141A (en) 1997-06-27 2000-02-22 Amazon.Com, Inc. Internet-based customer referral system
JP2000076336A (ja) 1998-08-31 2000-03-14 Fujitsu Ltd 電子決済認証システム及び電子商取引サービスプロバイダ装置
US6047268A (en) 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet
US6052675A (en) 1998-04-21 2000-04-18 At&T Corp. Method and apparatus for preauthorizing credit card type transactions
JP2000142398A (ja) 1998-11-13 2000-05-23 Toyo Tire & Rubber Co Ltd 鉄道車両用軸はり装置の防振ゴム
US6070241A (en) 1997-02-20 2000-05-30 Anitek Verification, Inc. Third party verification system and method
US6076078A (en) 1996-02-14 2000-06-13 Carnegie Mellon University Anonymous certified delivery
US6078902A (en) 1997-04-15 2000-06-20 Nush-Marketing Management & Consultance System for transaction over communication network
JP2000184085A (ja) 1998-12-18 2000-06-30 Fujitsu Ltd 携帯機器、携帯端末用アタッチメント及び携帯機器を用いたシステム
US6098053A (en) 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
JP2000236353A (ja) 1999-01-05 2000-08-29 Internatl Business Mach Corp <Ibm> オーディオ情報の通信において使用される方法及び装置
US6122624A (en) 1998-05-28 2000-09-19 Automated Transaction Corp. System and method for enhanced fraud detection in automated electronic purchases
US6167378A (en) 1997-01-21 2000-12-26 Webber, Jr.; Donald Gary Automated back office transaction method and system
WO2001007873A2 (fr) 1999-07-21 2001-02-01 E-Payments Procede de realisation de transaction sur un reseau
WO2001013275A1 (fr) 1999-08-13 2001-02-22 Fleetboston Financial Corporation Systeme de substitution garantissant confidentialite au client
US6202051B1 (en) 1995-04-26 2001-03-13 Merc Exchange Llc Facilitating internet commerce through internetworked auctions
US6205437B1 (en) 1993-12-16 2001-03-20 Open Market, Inc. Open network payment system for providing for real-time authorization of payment and purchase transactions
US6236981B1 (en) 1996-11-20 2001-05-22 British Telecommunications Public Limited Company Transaction system
US6243691B1 (en) 1996-03-29 2001-06-05 Onsale, Inc. Method and system for processing and transmitting electronic auction information
US6247129B1 (en) 1997-03-12 2001-06-12 Visa International Service Association Secure electronic commerce employing integrated circuit cards
US6260024B1 (en) 1998-12-02 2001-07-10 Gary Shkedy Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system
US6270011B1 (en) 1998-05-28 2001-08-07 Benenson Tal Remote credit card authentication system
US20010014158A1 (en) 1998-11-25 2001-08-16 Hush Communications Corporation Public key cryptosystem with roaming user capability
WO2001063878A1 (fr) 2000-02-23 2001-08-30 Tradesafely.Com Limited Procede et dispositif d'accreditation de site internet
WO2001067201A2 (fr) 2000-03-08 2001-09-13 Aurora Wireless Technologies, Ltd. Procede et appareil de reduction des fraudes en ligne au moyen de l"identification numerique personnelle
WO2001069549A1 (fr) 2000-03-17 2001-09-20 Tradesafely.Com Limited Procede et dispositif d'autorisation de paiement
US20010029496A1 (en) * 2000-02-23 2001-10-11 Otto Ray Karl Systems and methods for providing anonymous financial transactions
JP2001291032A (ja) 2000-03-14 2001-10-19 Allat Corp 匿名性を持つ代表支払い手段を用いた電子支払いシステム及びその方法
WO2001078493A2 (fr) 2000-04-17 2001-10-25 Verisign, Inc. Paiement authentifie
US20010039535A1 (en) 2000-02-09 2001-11-08 Tsiounis Yiannis S. Methods and systems for making secure electronic payments
JP2001313979A (ja) 2000-04-28 2001-11-09 Oki Electric Ind Co Ltd 移動端末接続方法
US20010042051A1 (en) 1998-06-26 2001-11-15 Jeremey L. Barrett Network transaction system for minimizing software requirements on client computers
US20010044787A1 (en) 2000-01-13 2001-11-22 Gil Shwartz Secure private agent for electronic transactions
US6327587B1 (en) 1998-10-05 2001-12-04 Digital Archaeology, Inc. Caching optimization with disk and/or memory cache management
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US20010051902A1 (en) 1999-06-28 2001-12-13 Messner Marc A. Method for performing secure internet transactions
JP2001344550A (ja) 2000-06-02 2001-12-14 Nec Informatec Systems Ltd 電子決済方法及びシステム並びに電子決済用プログラムを記憶した記憶媒体
US20010054003A1 (en) 2000-04-14 2001-12-20 Emily Chien System and method for using loyalty points
WO2002003285A1 (fr) 2000-07-05 2002-01-10 Helco Authentication Services B.V. Procede et systeme ainsi que porteuse de donnees permettant l'authentification d'un client souhaitant obtenir un service ou un produit d'un fournisseur
US20020007352A1 (en) 2000-07-13 2002-01-17 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
US20020019811A1 (en) 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method
US20020023059A1 (en) 2000-01-14 2002-02-21 Bari Jonathan H. Method and system for secure registration, storage, management and linkage of personal authentication credentials data over a network
JP2002109409A (ja) 2000-09-29 2002-04-12 Fujitsu Ltd 電子商取引システムにおける電子商取引方法
US6381316B2 (en) 1998-09-15 2002-04-30 Unpaid Systems, Ltd. Enhanced communication platform and related communication method using the platform
US20020069174A1 (en) 1997-02-27 2002-06-06 Microsoft Corporation Gump: grand unified meta-protocol for simple standards-based electronic commerce transactions
US20020091646A1 (en) 2000-11-03 2002-07-11 Lake Lawrence L. Method and system for verifying the identity of on-line credit card purchasers through a proxy transaction
US6427132B1 (en) 1999-08-31 2002-07-30 Accenture Llp System, method and article of manufacture for demonstrating E-commerce capabilities via a simulation on a network
US20020128977A1 (en) 2000-09-12 2002-09-12 Anant Nambiar Microchip-enabled online transaction system
US20020169720A1 (en) 2001-05-12 2002-11-14 Wilson Phillip C. Method for cardholder to place use restrictions on credit card at will
US20020174062A1 (en) 2001-05-16 2002-11-21 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
US20020188574A1 (en) 2000-02-23 2002-12-12 Sony Corporation Method of using personal device with internal biometric in conducting transactions over a network
JP2002366784A (ja) 2001-06-05 2002-12-20 Noriaki Ishikawa オンラインショッピングの補助方法及び補助システム
EP1271435A2 (fr) 2001-06-15 2003-01-02 Hewlett-Packard Company Système d'authentification et de contrôle d'accès
JP2003044771A (ja) 2001-01-30 2003-02-14 Fusao Sakurai 取引システム、支払機関サーバ、取引円滑サーバ及び取引方法
US20030097451A1 (en) 2001-11-16 2003-05-22 Nokia, Inc. Personal data repository
US20030120615A1 (en) 2000-02-04 2003-06-26 B. Todd Patterson Process and method for secure online transactions with calculated risk and against fraud
US20030144952A1 (en) 2002-01-31 2003-07-31 International Business Machines Corporation Detection of unauthorized account transactions
US20030149781A1 (en) 2001-12-04 2003-08-07 Peter Yared Distributed network identity
US6629081B1 (en) 1999-12-22 2003-09-30 Accenture Llp Account settlement and financing in an e-commerce environment
US20030200184A1 (en) 2002-04-17 2003-10-23 Visa International Service Association Mobile account authentication service
US20030212642A1 (en) 2000-04-24 2003-11-13 Visa International Service Association Online payer authentication service
WO2003107242A1 (fr) 2002-06-12 2003-12-24 Cardinalcommerce Corporation Plate-forme commerciale universelle pour une authentification de paiement
US20040002903A1 (en) 1999-07-26 2004-01-01 Iprivacy Electronic purchase of goods over a communications network including physical delivery while securing private and personal information of the purchasing party
US6675153B1 (en) 1999-07-06 2004-01-06 Zix Corporation Transaction authorization system
US20040019563A1 (en) 2000-09-25 2004-01-29 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
US20040044627A1 (en) 1999-11-30 2004-03-04 Russell David C. Methods, systems and apparatuses for secure transactions
US6704714B1 (en) 1999-05-03 2004-03-09 The Chase Manhattan Bank Virtual private lock box
JP2004088534A (ja) 2002-08-28 2004-03-18 Sony Corp 検証システムおよび方法、情報処理装置および方法、受注管理装置および方法、配送管理装置および方法、情報管理チップおよび方法、記録媒体、並びにプログラム
US20040078328A1 (en) 2002-02-07 2004-04-22 Talbert Vincent W. Method and system for completing a transaction between a customer and a merchant
US20040083184A1 (en) 1999-04-19 2004-04-29 First Data Corporation Anonymous card transactions
US6735572B2 (en) 2000-10-30 2004-05-11 Mark Landesmann Buyer-driven targeting of purchasing entities
US6820202B1 (en) 1998-11-09 2004-11-16 First Data Corporation Account authority digital signature (AADS) system
US20040230536A1 (en) 2000-03-01 2004-11-18 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
US20040243520A1 (en) 1999-08-31 2004-12-02 Bishop Fred Alan Methods and apparatus for conducting electronic transactions
US6839692B2 (en) 2000-12-01 2005-01-04 Benedor Corporation Method and apparatus to provide secure purchase transactions over a computer network
US20050065855A1 (en) 2003-09-23 2005-03-24 Extreming, Inc. Virtual server consumer authorization, verification and credit update method and article
US6879965B2 (en) 2000-03-01 2005-04-12 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
US6889325B1 (en) 1999-04-28 2005-05-03 Unicate Bv Transaction method and system for data networks, like internet
US20050131826A1 (en) * 1999-10-27 2005-06-16 Zix Corporation Centralized authorization and fraud-prevention system for network-based transactions
US6931382B2 (en) 2001-01-24 2005-08-16 Cdck Corporation Payment instrument authorization technique
US6938019B1 (en) 2000-08-29 2005-08-30 Uzo Chijioke Chukwuemeka Method and apparatus for making secure electronic payments
US20050192896A1 (en) 1999-06-18 2005-09-01 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
US6941285B2 (en) 2000-04-14 2005-09-06 Branko Sarcanin Method and system for a virtual safe
US6941282B1 (en) 1999-03-18 2005-09-06 Oracle International Corporation Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts
US20060143119A1 (en) * 1999-12-16 2006-06-29 Scott Krueger Secure networked transaction system
US20060242058A1 (en) 2003-03-07 2006-10-26 Anthony Torto Transaction system
US7177838B1 (en) 2000-01-26 2007-02-13 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US7249093B1 (en) 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
US7356502B1 (en) 1998-03-03 2008-04-08 Crosscheck, Inc. Internet based payment system

Family Cites Families (86)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US177047A (en) * 1876-05-02 meeeick
US2004A (en) * 1841-03-12 Improvement in the manner of constructing and propelling steam-vessels
US2002A (en) * 1841-03-12 Tor and planter for plowing
US14158A (en) * 1856-01-29 Apparatus fob heating buildings by steam
US208684A (en) * 1878-10-08 Improvement in oatmeal-machines
US4016405A (en) * 1975-06-09 1977-04-05 Diebold, Incorporated Card validation, method and system
JPS63142398A (ja) 1986-12-05 1988-06-14 株式会社日立製作所 音声合成方式
JPS63184085A (ja) 1987-01-26 1988-07-29 Nec Corp 追尾処理装置
US5151989A (en) 1987-02-13 1992-09-29 International Business Machines Corporation Directory cache management in a distributed data processing system
JPS63236353A (ja) 1987-03-24 1988-10-03 Nec Corp 半導体装置
DE3860447D1 (de) 1988-04-26 1990-09-13 Landis & Gyr Betriebs Ag Anordnung zur verminderung von piezoeffekten in mindestens einem in einem halbleitermaterial angeordneten piezoeffekt-empfindlichen elektrischen bauelement und verfahren zur herstellung dieser anordnung.
JPH01291032A (ja) 1988-05-18 1989-11-22 Matsushita Seiko Co Ltd 換気扇
DE3881693D1 (de) 1988-09-14 1993-07-15 Siemens Ag Elektroakustisches bauelement aus piezokeramischem material und verfahren zum frequenz- bzw. laufzeitabgleich des bauelementes.
JPH0291473A (ja) 1988-09-27 1990-03-30 Mitsubishi Electric Corp ディストリビュータ用電極
JP2582297B2 (ja) 1989-07-13 1997-02-19 ミノルタ株式会社 プリント基板設計装置における図形情報修正方法
JPH03286704A (ja) 1990-04-03 1991-12-17 Sigma:Kk レリーフステンド装飾体およびその加工方法
JPH0488534A (ja) 1990-08-01 1992-03-23 Canon Inc メモリアクセス制御装置
KR970007003B1 (ko) 1990-12-24 1997-05-01 모토로라 인코포레이티드 전자지갑
US5351296A (en) * 1993-03-29 1994-09-27 Niobrara Research & Development Corporation Financial transmission system
US5430827A (en) 1993-04-23 1995-07-04 At&T Corp. Password verification system
DE4317380C1 (de) 1993-05-25 1994-08-18 Siemens Ag Verfahren zur Authentifikation zwischen zwei elektronischen Einrichtungen
US5436972A (en) * 1993-10-04 1995-07-25 Fischer; Addison M. Method for preventing inadvertent betrayal by a trustee of escrowed digital secrets
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5870723A (en) * 1994-11-28 1999-02-09 Pare, Jr.; David Ferrin Tokenless biometric transaction authorization method and system
US5712918A (en) * 1995-01-27 1998-01-27 Beltone Electronics Corporation Press-fit ear wax barrier
US5590197A (en) 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
ES2286822T3 (es) * 1995-12-19 2007-12-01 First Data Deutschland Gmbh Procedimiento y dispositivos para el uso y la compensacion de medios de pago electronico en un sistema abierto e interoperable para la exaccion automatica de tasas.
JP3586704B2 (ja) 1996-03-11 2004-11-10 独立行政法人森林総合研究所 紫外線吸収性被膜とその製造法。
CN1111825C (zh) 1996-09-13 2003-06-18 西门子公司 使用移动无线通信设备的无现金付款的方法
JPH10105603A (ja) 1996-09-25 1998-04-24 Computer Consulting:Kk 情報通信方法および装置
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
KR100213188B1 (ko) * 1996-10-05 1999-08-02 윤종용 사용자 인증 장치 및 방법
JPH10184085A (ja) 1996-12-25 1998-07-14 Fujikura Ltd 構造物の免震構造
JPH10207946A (ja) 1997-01-16 1998-08-07 Computer Consulting:Kk プリペイドメディアおよびこれを用いた決済システム
JP3712811B2 (ja) 1997-03-03 2005-11-02 ブリヂストンサイクル株式会社 幼児車用補助車輪取付装置
EP0869692A1 (fr) 1997-04-01 1998-10-07 ICO Services Ltd. Authentification d'utilisateur à travers de multiples réseaux de télécommunication
SE512748C2 (sv) * 1997-05-15 2000-05-08 Access Security Sweden Ab Förfarande, aktivt kort, system samt användning av aktivt kort för att genomföra en elektronisk transaktion
US6213109B1 (en) * 1997-07-04 2001-04-10 Hitachi, Ltd. Ignition coil for use in internal combustion engine
JPH1143780A (ja) 1997-07-25 1999-02-16 Kuroki Kogyosho:Kk 複合材の製造方法
AU8675398A (en) * 1997-07-29 1999-02-22 Netadvantage Corporation Method and system for conducting electronic commerce transactions
US5899980A (en) * 1997-08-11 1999-05-04 Trivnet Ltd. Retail method over a wide area network
JP3137052B2 (ja) 1997-09-25 2001-02-19 日本電気株式会社 インターネット決済方法
US6895510B1 (en) 1997-11-24 2005-05-17 International Business Machines Corporation Mutual internet authentication between a client and server utilizing a dummy IOP request
US6094724A (en) * 1997-11-26 2000-07-25 Atmel Corporation Secure memory having anti-wire tapping
EP0921487A3 (fr) * 1997-12-08 2000-07-26 Nippon Telegraph and Telephone Corporation Méthode et système de facturation sur internet
US6453306B1 (en) * 1998-01-26 2002-09-17 Ict Software S.A. Internet commerce method and apparatus
JPH11224236A (ja) 1998-02-05 1999-08-17 Mitsubishi Electric Corp 遠隔認証システム
NL1008372C2 (nl) 1998-02-20 1999-08-24 Snoek Holding Zoetermeer B V Werkwijze voor betalen via Internet.
AU6633998A (en) * 1998-03-11 1999-09-27 Guardtech Technologies Ltd. Transaction card security system
GB2336449A (en) * 1998-04-14 1999-10-20 Ibm A server selection method in an asynchronous client-server computer system
US7096494B1 (en) * 1998-05-05 2006-08-22 Chen Jay C Cryptographic system and method for electronic transactions
GB2338381A (en) * 1998-06-10 1999-12-15 Barclays Bank Plc Cryptographic authentication for internet using two servers
WO1999066436A1 (fr) * 1998-06-19 1999-12-23 Protx Limited Systeme de paiement verifie
US7039809B1 (en) * 1998-11-12 2006-05-02 Mastercard International Incorporated Asymmetric encrypted pin
TW509855B (en) 1999-01-27 2002-11-11 724 Solutions Inc Systems and methods of paying for commercial transactions
SE513773C2 (sv) * 1999-03-19 2000-11-06 Ericsson Telefon Ab L M Metod och system för elektronisk handel
AU761974B2 (en) 1999-04-28 2003-06-12 Unicate B.V. Transaction method and system for data networks, like internet
BR0011709A (pt) * 1999-06-17 2002-03-19 Mobius Man Systems Inc Sistema e método para extrato eletrônico, apresentação e pagamento de nota
US7249097B2 (en) 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
JP3635017B2 (ja) 1999-09-01 2005-03-30 日本電信電話株式会社 時刻認証システム、サーバ装置、時刻認証方法及び記録媒体
FR2798394B1 (fr) * 1999-09-09 2001-10-26 Ugine Sa Acier ferritique a 14% de chrome stabilise au niobium et son utilisation dans le domaine de l'automobile
US6834271B1 (en) 1999-09-24 2004-12-21 Kryptosima Apparatus for and method of secure ATM debit card and credit card payment transactions via the internet
AU2905401A (en) 1999-11-19 2001-05-30 Ecognito, Inc. System, method, and computer program product for maintaining consumer privacy and security in electronic commerce transactions
DE60032863D1 (de) * 1999-11-30 2007-02-22 Citibank Na System und Verfahren zur Durchführung einer elektronischen Transaktion mit einer elektronischen Geldbörse mittels eines Transaktionproxys
KR20000012391A (ko) * 1999-12-02 2000-03-06 이재규 인터넷 상에서의 전자결제방법 및 시스템
US6466917B1 (en) * 1999-12-03 2002-10-15 Ebay Inc. Method and apparatus for verifying the identity of a participant within an on-line auction environment
WO2001048628A2 (fr) 1999-12-23 2001-07-05 Barton Peter R Systeme et procede destine aux transactions anonymes et envois de courrier deguises
JP2001318953A (ja) * 2000-03-03 2001-11-16 Ns Solutions Corp 原価データ管理システム、原価データ管理方法及びその記録媒体
EP1134707A1 (fr) * 2000-03-17 2001-09-19 Tradesafely.com Limited Procédé et dispositif d'authorisation de paiement
US6494519B2 (en) * 2000-04-14 2002-12-17 L&P Management Co. Vehicle courier door system and method of conversion
AU2001253795A1 (en) 2000-04-26 2001-11-07 Global Transaction Company Multi-tiered identity verification authority for e-commerce
FI115355B (fi) 2000-06-22 2005-04-15 Icl Invia Oyj Järjestely suojatun järjestelmän käyttäjän tunnistamiseen ja todentamiseen
US7370011B2 (en) 2000-06-28 2008-05-06 Yahoo! Inc. Financial information portal
JP2002091473A (ja) 2000-06-30 2002-03-27 Fujitsu Ltd 情報処理装置
US6938003B2 (en) * 2000-06-30 2005-08-30 Mahesh Harpale Method and apparatus for a credibility reporting system to augment an online exchange
US7107248B1 (en) 2000-09-11 2006-09-12 Nokia Corporation System and method of bootstrapping a temporary public-key infrastructure from a cellular telecommunication authentication and billing infrastructure
US20020069123A1 (en) 2000-12-01 2002-06-06 Mats Soderlind Electronic commerce system
US20020073315A1 (en) * 2000-12-08 2002-06-13 Brant Candelore Placing a cryptogram on the magnetic stripe of a personal transaction card
US7536940B2 (en) * 2001-12-20 2009-05-26 Fujifilm Corporation Clean booth and sheet conveyor device
SG152061A1 (en) 2002-09-10 2009-05-29 Visa Int Service Ass Data authentication and provisioning method and system
US8762283B2 (en) 2004-05-03 2014-06-24 Visa International Service Association Multiple party benefit from an online authentication service
DE102005004704A1 (de) * 2005-02-02 2006-08-10 Goldschmidt Gmbh Guanidinogruppen-haltige Siloxane und deren Verwendung für kosmetische Formulierungen
EP2002388A4 (fr) * 2005-08-22 2012-12-05 Xchange Inc G Procede de paiement d'achats sans liquide ni carte mais par telephone portable
US7820147B2 (en) * 2005-11-18 2010-10-26 Mata Michael T Hair restorative compositions and methods for treating damaged hair and safely chemically treating hair
BRPI0708276A2 (pt) * 2006-03-02 2011-05-24 Visa Int Service Ass métodos para efetuar autenticação de transação em um pedido por correio eletrÈnico e pedido por telefone e para efetuar autenticação em uma transação de pagamento on-line
US7910309B2 (en) * 2008-07-31 2011-03-22 Los Alamos National Security, Llc Multiplexed lateral flow microarray assay for detection of citrus pathogens Xylella fastidiosa and Xanthomonas axonopodis pv citri

Patent Citations (124)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5267315A (en) 1988-10-18 1993-11-30 Oki Electric Industry Co., Ltd. Secret identification number checking system
US5442342A (en) 1990-08-29 1995-08-15 Hughes Aircraft Company Distributed user authentication protocol
US5163098A (en) 1990-09-06 1992-11-10 Dahbura Abbud S System for preventing fraudulent use of credit card
US5485510A (en) 1992-09-29 1996-01-16 At&T Corp. Secure credit/debit card authorization
US5778065A (en) 1993-09-20 1998-07-07 International Business Machines Corporation Method and system for changing an authorization password or key in a distributed communication network
US6205437B1 (en) 1993-12-16 2001-03-20 Open Market, Inc. Open network payment system for providing for real-time authorization of payment and purchase transactions
US5420926A (en) 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US5712913A (en) 1994-02-08 1998-01-27 Digicash Incorporated Limited-traceability systems
US5544322A (en) 1994-05-09 1996-08-06 International Business Machines Corporation System and method for policy-based inter-realm authentication within a distributed processing system
US5826241A (en) 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5909492A (en) 1994-10-24 1999-06-01 Open Market, Incorporated Network sales system
US5826245A (en) 1995-03-20 1998-10-20 Sandberg-Diment; Erik Providing verification information for a transaction
US5845265A (en) 1995-04-26 1998-12-01 Mercexchange, L.L.C. Consignment nodes
US6202051B1 (en) 1995-04-26 2001-03-13 Merc Exchange Llc Facilitating internet commerce through internetworked auctions
US5671279A (en) 1995-11-13 1997-09-23 Netscape Communications Corporation Electronic commerce using a secure courier system
US5991738A (en) 1996-02-05 1999-11-23 Ogram; Mark E. Automated credit card processing
US6076078A (en) 1996-02-14 2000-06-13 Carnegie Mellon University Anonymous certified delivery
US5835896A (en) 1996-03-29 1998-11-10 Onsale, Inc. Method and system for processing and transmitting electronic auction information
US6243691B1 (en) 1996-03-29 2001-06-05 Onsale, Inc. Method and system for processing and transmitting electronic auction information
US5815665A (en) 1996-04-03 1998-09-29 Microsoft Corporation System and method for providing trusted brokering services over a distributed network
US5793028A (en) 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system
US5884272A (en) 1996-09-06 1999-03-16 Walker Asset Management Limited Partnership Method and system for establishing and maintaining user-controlled anonymous communications
US5684950A (en) 1996-09-23 1997-11-04 Lockheed Martin Corporation Method and system for authenticating users to multiple computer servers via a single sign-on
US6236981B1 (en) 1996-11-20 2001-05-22 British Telecommunications Public Limited Company Transaction system
US5903882A (en) * 1996-12-13 1999-05-11 Certco, Llc Reliance server for electronic transaction system
US5845070A (en) 1996-12-18 1998-12-01 Auric Web Systems, Inc. Security system for internet provider transaction
US6167378A (en) 1997-01-21 2000-12-26 Webber, Jr.; Donald Gary Automated back office transaction method and system
US6070241A (en) 1997-02-20 2000-05-30 Anitek Verification, Inc. Third party verification system and method
US20020069174A1 (en) 1997-02-27 2002-06-06 Microsoft Corporation Gump: grand unified meta-protocol for simple standards-based electronic commerce transactions
US6247129B1 (en) 1997-03-12 2001-06-12 Visa International Service Association Secure electronic commerce employing integrated circuit cards
US5903721A (en) 1997-03-13 1999-05-11 cha|Technologies Services, Inc. Method and system for secure online transaction processing
US5930777A (en) 1997-04-15 1999-07-27 Barber; Timothy P. Method of charging for pay-per-access information over a network
US6078902A (en) 1997-04-15 2000-06-20 Nush-Marketing Management & Consultance System for transaction over communication network
US6029141A (en) 1997-06-27 2000-02-22 Amazon.Com, Inc. Internet-based customer referral system
EP0896284A1 (fr) 1997-08-05 1999-02-10 Fujitsu Limited Compression et décompression de données
US6016476A (en) 1997-08-11 2000-01-18 International Business Machines Corporation Portable information and transaction processing system and method utilizing biometric authorization and digital certificate security
US5903878A (en) 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
US5883810A (en) 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US5970475A (en) * 1997-10-10 1999-10-19 Intelisys Electronic Commerce, Llc Electronic procurement system and method for trading partners
US6047268A (en) 1997-11-04 2000-04-04 A.T.&T. Corporation Method and apparatus for billing for transactions conducted over the internet
US6098053A (en) 1998-01-28 2000-08-01 Citibank, N.A. System and method for performing an electronic financial transaction
US7356502B1 (en) 1998-03-03 2008-04-08 Crosscheck, Inc. Internet based payment system
US5999596A (en) 1998-03-06 1999-12-07 Walker Asset Management Limited Method and system for controlling authorization of credit card transactions
US6052675A (en) 1998-04-21 2000-04-18 At&T Corp. Method and apparatus for preauthorizing credit card type transactions
US6270011B1 (en) 1998-05-28 2001-08-07 Benenson Tal Remote credit card authentication system
US6122624A (en) 1998-05-28 2000-09-19 Automated Transaction Corp. System and method for enhanced fraud detection in automated electronic purchases
US20010042051A1 (en) 1998-06-26 2001-11-15 Jeremey L. Barrett Network transaction system for minimizing software requirements on client computers
JP2000076336A (ja) 1998-08-31 2000-03-14 Fujitsu Ltd 電子決済認証システム及び電子商取引サービスプロバイダ装置
US6381316B2 (en) 1998-09-15 2002-04-30 Unpaid Systems, Ltd. Enhanced communication platform and related communication method using the platform
US6327587B1 (en) 1998-10-05 2001-12-04 Digital Archaeology, Inc. Caching optimization with disk and/or memory cache management
US6820202B1 (en) 1998-11-09 2004-11-16 First Data Corporation Account authority digital signature (AADS) system
JP2000142398A (ja) 1998-11-13 2000-05-23 Toyo Tire & Rubber Co Ltd 鉄道車両用軸はり装置の防振ゴム
US20010014158A1 (en) 1998-11-25 2001-08-16 Hush Communications Corporation Public key cryptosystem with roaming user capability
US6260024B1 (en) 1998-12-02 2001-07-10 Gary Shkedy Method and apparatus for facilitating buyer-driven purchase orders on a commercial network system
JP2000184085A (ja) 1998-12-18 2000-06-30 Fujitsu Ltd 携帯機器、携帯端末用アタッチメント及び携帯機器を用いたシステム
US6327578B1 (en) 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
JP2000236353A (ja) 1999-01-05 2000-08-29 Internatl Business Mach Corp <Ibm> オーディオ情報の通信において使用される方法及び装置
US6941282B1 (en) 1999-03-18 2005-09-06 Oracle International Corporation Methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts
US20040083184A1 (en) 1999-04-19 2004-04-29 First Data Corporation Anonymous card transactions
US6889325B1 (en) 1999-04-28 2005-05-03 Unicate Bv Transaction method and system for data networks, like internet
US6704714B1 (en) 1999-05-03 2004-03-09 The Chase Manhattan Bank Virtual private lock box
US20050192896A1 (en) 1999-06-18 2005-09-01 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
US20010051902A1 (en) 1999-06-28 2001-12-13 Messner Marc A. Method for performing secure internet transactions
US6675153B1 (en) 1999-07-06 2004-01-06 Zix Corporation Transaction authorization system
WO2001007873A2 (fr) 1999-07-21 2001-02-01 E-Payments Procede de realisation de transaction sur un reseau
US7069249B2 (en) 1999-07-26 2006-06-27 Iprivacy, Llc Electronic purchase of goods over a communications network including physical delivery while securing private and personal information of the purchasing party
US20040002903A1 (en) 1999-07-26 2004-01-01 Iprivacy Electronic purchase of goods over a communications network including physical delivery while securing private and personal information of the purchasing party
WO2001013275A1 (fr) 1999-08-13 2001-02-22 Fleetboston Financial Corporation Systeme de substitution garantissant confidentialite au client
US20040243520A1 (en) 1999-08-31 2004-12-02 Bishop Fred Alan Methods and apparatus for conducting electronic transactions
US6427132B1 (en) 1999-08-31 2002-07-30 Accenture Llp System, method and article of manufacture for demonstrating E-commerce capabilities via a simulation on a network
US7318048B1 (en) 1999-09-07 2008-01-08 Rysix Holdings Llc Method of and system for authorizing purchases made over a computer network
US7249093B1 (en) 1999-09-07 2007-07-24 Rysix Holdings, Llc Method of and system for making purchases over a computer network
US20050131826A1 (en) * 1999-10-27 2005-06-16 Zix Corporation Centralized authorization and fraud-prevention system for network-based transactions
US20040044627A1 (en) 1999-11-30 2004-03-04 Russell David C. Methods, systems and apparatuses for secure transactions
US20060143119A1 (en) * 1999-12-16 2006-06-29 Scott Krueger Secure networked transaction system
US6629081B1 (en) 1999-12-22 2003-09-30 Accenture Llp Account settlement and financing in an e-commerce environment
US20010044787A1 (en) 2000-01-13 2001-11-22 Gil Shwartz Secure private agent for electronic transactions
US20020023059A1 (en) 2000-01-14 2002-02-21 Bari Jonathan H. Method and system for secure registration, storage, management and linkage of personal authentication credentials data over a network
US7177838B1 (en) 2000-01-26 2007-02-13 Paybyclick Corporation Method and apparatus for conducting electronic commerce transactions using electronic tokens
US20030120615A1 (en) 2000-02-04 2003-06-26 B. Todd Patterson Process and method for secure online transactions with calculated risk and against fraud
US20010039535A1 (en) 2000-02-09 2001-11-08 Tsiounis Yiannis S. Methods and systems for making secure electronic payments
US20020188574A1 (en) 2000-02-23 2002-12-12 Sony Corporation Method of using personal device with internal biometric in conducting transactions over a network
US20010029496A1 (en) * 2000-02-23 2001-10-11 Otto Ray Karl Systems and methods for providing anonymous financial transactions
WO2001063878A1 (fr) 2000-02-23 2001-08-30 Tradesafely.Com Limited Procede et dispositif d'accreditation de site internet
US20040230536A1 (en) 2000-03-01 2004-11-18 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
US6879965B2 (en) 2000-03-01 2005-04-12 Passgate Corporation Method, system and computer readable medium for web site account and e-commerce management from a central location
WO2001067201A2 (fr) 2000-03-08 2001-09-13 Aurora Wireless Technologies, Ltd. Procede et appareil de reduction des fraudes en ligne au moyen de l"identification numerique personnelle
US20030208684A1 (en) 2000-03-08 2003-11-06 Camacho Luz Maria Method and apparatus for reducing on-line fraud using personal digital identification
JP2001291032A (ja) 2000-03-14 2001-10-19 Allat Corp 匿名性を持つ代表支払い手段を用いた電子支払いシステム及びその方法
WO2001069549A1 (fr) 2000-03-17 2001-09-20 Tradesafely.Com Limited Procede et dispositif d'autorisation de paiement
US6941285B2 (en) 2000-04-14 2005-09-06 Branko Sarcanin Method and system for a virtual safe
US20010054003A1 (en) 2000-04-14 2001-12-20 Emily Chien System and method for using loyalty points
US20040177047A1 (en) 2000-04-17 2004-09-09 Graves Michael E. Authenticated payment
WO2001078493A2 (fr) 2000-04-17 2001-10-25 Verisign, Inc. Paiement authentifie
US20030212642A1 (en) 2000-04-24 2003-11-13 Visa International Service Association Online payer authentication service
JP2001313979A (ja) 2000-04-28 2001-11-09 Oki Electric Ind Co Ltd 移動端末接続方法
US20020019811A1 (en) 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method
JP2001344550A (ja) 2000-06-02 2001-12-14 Nec Informatec Systems Ltd 電子決済方法及びシステム並びに電子決済用プログラムを記憶した記憶媒体
WO2002003285A1 (fr) 2000-07-05 2002-01-10 Helco Authentication Services B.V. Procede et systeme ainsi que porteuse de donnees permettant l'authentification d'un client souhaitant obtenir un service ou un produit d'un fournisseur
US20020007352A1 (en) 2000-07-13 2002-01-17 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
US7177849B2 (en) 2000-07-13 2007-02-13 International Business Machines Corporation Method for validating an electronic payment by a credit/debit card
US6938019B1 (en) 2000-08-29 2005-08-30 Uzo Chijioke Chukwuemeka Method and apparatus for making secure electronic payments
US20020128977A1 (en) 2000-09-12 2002-09-12 Anant Nambiar Microchip-enabled online transaction system
US20040019563A1 (en) 2000-09-25 2004-01-29 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
JP2002109409A (ja) 2000-09-29 2002-04-12 Fujitsu Ltd 電子商取引システムにおける電子商取引方法
US6735572B2 (en) 2000-10-30 2004-05-11 Mark Landesmann Buyer-driven targeting of purchasing entities
US20020091646A1 (en) 2000-11-03 2002-07-11 Lake Lawrence L. Method and system for verifying the identity of on-line credit card purchasers through a proxy transaction
US6839692B2 (en) 2000-12-01 2005-01-04 Benedor Corporation Method and apparatus to provide secure purchase transactions over a computer network
US6931382B2 (en) 2001-01-24 2005-08-16 Cdck Corporation Payment instrument authorization technique
JP2003044771A (ja) 2001-01-30 2003-02-14 Fusao Sakurai 取引システム、支払機関サーバ、取引円滑サーバ及び取引方法
US20020169720A1 (en) 2001-05-12 2002-11-14 Wilson Phillip C. Method for cardholder to place use restrictions on credit card at will
US20020174062A1 (en) 2001-05-16 2002-11-21 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
JP2002366784A (ja) 2001-06-05 2002-12-20 Noriaki Ishikawa オンラインショッピングの補助方法及び補助システム
EP1271435A2 (fr) 2001-06-15 2003-01-02 Hewlett-Packard Company Système d'authentification et de contrôle d'accès
US20030097451A1 (en) 2001-11-16 2003-05-22 Nokia, Inc. Personal data repository
US20030149781A1 (en) 2001-12-04 2003-08-07 Peter Yared Distributed network identity
US20030144952A1 (en) 2002-01-31 2003-07-31 International Business Machines Corporation Detection of unauthorized account transactions
US20040078328A1 (en) 2002-02-07 2004-04-22 Talbert Vincent W. Method and system for completing a transaction between a customer and a merchant
US20030200184A1 (en) 2002-04-17 2003-10-23 Visa International Service Association Mobile account authentication service
WO2003090027A2 (fr) 2002-04-17 2003-10-30 Visa International Service Association Service d'authentification de compte mobile
WO2003107242A1 (fr) 2002-06-12 2003-12-24 Cardinalcommerce Corporation Plate-forme commerciale universelle pour une authentification de paiement
JP2004088534A (ja) 2002-08-28 2004-03-18 Sony Corp 検証システムおよび方法、情報処理装置および方法、受注管理装置および方法、配送管理装置および方法、情報管理チップおよび方法、記録媒体、並びにプログラム
US20060242058A1 (en) 2003-03-07 2006-10-26 Anthony Torto Transaction system
US20050065855A1 (en) 2003-09-23 2005-03-24 Extreming, Inc. Virtual server consumer authorization, verification and credit update method and article

Non-Patent Citations (93)

* Cited by examiner, † Cited by third party
Title
"Chambers"; Retrieved Nov. 3, 2008, 1pg. from http://www.credoreference.com/entry/1196447/.
Australian Opposition; "Statement of Grounds of Opposition and Particulars Relating to Each Ground"; Oct. 10, 2008; pp. 1-10.
Bakker, "Mutual Authentication with Smart Cards," May 10-11, 1999, Proceedings of the USENIX Workshop on Smartcard Technology (Smartcard '99), pp. 63-74, Chicago, Illinois.
Commonwealth of Australia Statutory Declaration of Andrew Weller; Apr. 6, 2009.
Commonwealth of Australia Statutory Declaration of Bahram Boutorabi; Apr. 7, 2009.
Dominguez et al., "Data Authentication and Provisioning Method and System," U.S. Appl. No. 10/660,263, filed Sep. 10, 2003, 26 pages.
Dominguez et al., "Mobile Account Authentication Service," U.S. Appl. No. 10/370,149, filed Feb. 19, 2003. 81 pages.
Dominguez et al., "Online Account Authentication Service," U.S. Appl. No. 10/156,271, filed May 24, 2002, 75 pages.
eBay. ( Nov. 3, 1999). http://web.archive.org/web/19991103051532/http://www.ebay.com/. Retrieved online Aug. 18, 2004.
European Extended Search Report; Application No. 09150401.9-1238; Apr. 9, 2009.
Examination Report of Application No. 09 150 401.9-1238; EPC; Feb. 11, 2010.
Examination Report of Application No. 200701817-9; Apr. 21, 2009; Singapore.
Exhibit BB-15 to the statutory declaration of Bahram Boutorabi; Jan. 25, 2001.
Exhibit BB-16 to the statutory declaration of Bahram Boutorabi; Jan. 25, 2001.
Exhibit BB-18 to the statutory declaration of Bahram Boutorabi; Feb. 7, 2000.
Exhibit BB-19 to the statutory declaration of Bahram Boutorabi; Apr. 16, 2002.
Exhibit BB-20 to the statutory declaration of Bahram Boutorabi; May 2, 2002.
Exhibit BB-21 to the statutory declaration of Bahram Boutorabi; May 21, 2002.
Exhibit BB-22 to the statutory declaration of Bahram Boutorabi; Feb. 13, 2002.
Exhibit BB-23 to the statutory declaration of Bahram Boutorabi; Apr. 7, 2009.
Exhibit BB-24 to the statutory declaration of Bahram Boutorabi; Oct. 27, 1999.
Exhibit BB-4 to the statutory declaration of Bahram Boutorabi; Jan. 27, 2009.
Exhibit BB-5 to the statutory declaration of Bahram Boutorabi; Jan. 27, 2009.
Exhibit BB-6 to the statutory declaration of Bahram Boutorabi; Jan. 27, 2009.
Exhibit BB-7 to the statutory declaration of Bahram Boutorabi; Jan. 27, 2009.
Exhibit BB-8 to the statutory declaration of Bahram Boutorabi; Jan. 27, 2009.
Ganesan, "The Yaksha Security System," Mar. 1996, Communications of the ACM, vol. 39, No. 3, pp. 55-60.
Gerber et al., "Multiple Party Benefit from an Online Authentication Service," U.S. Appl. No. 10/838,719, filed May 3, 2004, 67 pages.
http://www.orbiscom.com, Jun. 30, 2000.
International Search Report; PCT/US 03/28599.
J. Kohl and C. Neuman; "The Kerberos Network Authentication Service (V5)," Sep. 1993; pp. 1-10, URL: http://www.ietf.org/rfc1510.txt, downloaded on Apr. 29, 2008.
Korean Patent Abstract; Publication No. 1020000012391 A; Mar. 6, 2000.
Leach, "Dynamic Authentication for Smartcards," 1995, Computers & Security, vol. 14, No. 5, pp. 385-389.
Linn, "Practical Authentication for Distributed Computing," May 7-9, 1999, 1999 IEEE Computer Society Symposium on Research in Security and Privacy, Oakland, CA.
Mexican Office Action dated May 15, 2009; Application No. PA/A/2006/006158.
Novell Debuts New Digitalme in the Net, Oct. 6, 1999, http://www.digitalme.com.
Office Action dated Apr. 18, 2007 Patent Application No. 2006-03488-8 SG.
Office Action dated Apr. 23, 2010 in Australian App. No. 2007203383.
Office Action dated Aug. 17, 2009 in the U.S. Appl. No. 10/156,271.
Office Action dated Aug. 28, 2009 in the U.S. Appl. No. 10/660,263.
Office Action dated Dec. 11, 2007 in U.S. Appl. No. 10/370,149.
Office Action dated Dec. 24, 2008 Patent Application No. 2004-80039179.6 CN.
Office Action dated Dec. 7, 2009 in U.S. Appl. No. 09/842,313.
Office Action dated Feb. 10, 2009 Patent Application No. 2003-586704;JPO.
Office Action dated Feb. 12, 2008 in U.S. Appl. No. 10/156,271.
Office Action dated Feb. 6, 2009 in U.S. Appl. No. 10/838,719.
Office Action dated Jan. 22, 2009 in U.S. Appl. No. 10/156,271.
Office Action dated Jan. 7, 2010 in U.S. Appl. No. 10/838,719.
Office Action dated Jul. 14, 2008 in U.S. Appl. No. 10/838,719.
Office Action dated Jun. 17, 2009 in the U.S. Appl. No. 12/034,606.
Office Action dated Jun. 17, 2009 in U.S. Appl. No. 12/034,606.
Office Action dated Jun. 5, 2009 in U.S. Appl. No. 09/842,313.
Office Action dated Mar. 21, 2008 in U.S. Appl. No. 09/842,313.
Office Action dated Mar. 22, 2010 in U.S. Appl. No. 12/034,606.
Office Action dated Mar. 9, 2009 in U.S. Appl. No. 10/370,149.
Office Action dated May 13, 2009 in U.S. Appl. No. 10/838,719.
Office Action dated Nov. 10, 2008 Patent Application No. 2002-7014247; KR.
Office Action dated Nov. 10, 2009 Patent Application No. 2002-7014247; KR.
Office Action dated Nov. 17, 2008 in U.S. Appl. No. 10/660,263.
Office Action dated Sep. 12, 2008 in Patent Application No. 2003228574 AU.
Office Action dated Sep. 5, 2008 in U.S. Appl. No. 10/660,263.
Office Action entitled "Notification of Provisional Rejection"; Korean Intellectual Property Office; Korean Patent Application No. 10-2004-7016734; Feb. 26, 2010.
Office Action entitled "Notification of Provisional Rejection"; Korean Intellectual Property Office; Korean Patent Application No. 10-2010-7003526; May 10, 2010.
Office Action entitled "Notification of Refusal Ruling"; Korean Intellectual Property Office; May 28, 2009; Application No. 10-2010-7003526.
Office Action for Australian Patent Application 2007203383; dated Feb. 11, 2010.
Office Action for Japanese Patent Application 2007-511334 dated Mar. 9, 2010.
Office Action; U.S. Appl. No. 10/156,271; dated Aug. 23, 2004.
Office Action; U.S. Appl. No. 10/156,271; dated Aug. 23, 2007.
Office Action; U.S. Appl. No. 10/156,271; dated Dec. 20, 2006.
Office Action; U.S. Appl. No. 10/156,271; dated Feb. 11, 2005.
Office Action; U.S. Appl. No. 10/156,271; dated Jun. 24, 2005.
Office Action; U.S. Appl. No. 10/370,149; dated Dec. 28, 2006.
Office Action; U.S. Appl. No. 10/384,735; dated Aug. 20, 2007.
Office Action; U.S. Appl. No. 10/660,263; dated Feb. 10, 2006.
Office Action; U.S. Appl. No. 10/660,263; dated Jan. 24, 2005.
Office Action; U.S. Appl. No. 10/660,263; dated Jul. 20, 2005.
Office Action; U.S. Appl. No. 10/660,263; dated Jul. 31, 2006.
Office Action; U.S. Appl. No. 10/660,263; dated May 18, 2007.
Office Action; U.S. Appl. No. 10/838,719; dated Apr. 7, 2006.
Office Action; U.S. Appl. No. 10/838,719; dated Jul. 26, 2007.
Office Action; U.S. Appl. No. 10/838,719; dated Nov. 7, 2006.
Office Action; U.S. Appl. No. 10/838,719; dated Oct. 24, 2005.
O'Mahony, Donal et al. "Electronic Payment Systems" (1997). Artech House, Inc., Norwood, MA. pp. 61-142. *
Prince, "Online Auctions at eBay" (Apr. 1999). Prima Publishing Rocklin, CA.
Search Report from corresponding Singapore Application No. 200701817-9, mailed Jun. 23, 2008.
Sherman et al., "Secure Network Access Using Multiple Applications of AT&T's Smart Card," Sep./Oct. 1994, AT&T Technical Journal.
Supplementary European Search Report; Dated Mar. 31, 2005; European Patent Apl. No. 03726334.0.
Supplementary European Search Report; Feb. 9, 2006; PCT/US 0328599.
Translation of Mexican Office Action dated May 15, 2009; App No. PA/A2006/006158.
U.S. Appl. No. 60/165546 and 60/165547.
United States District Court for the Northern District of Texas; Civil Action No. CIV 3-03CV0976-L; "Defendants' Preliminary Invalidity Contentions"; Starpay.com, L.L.C., Plaintiffs vs. Visa International Service Associate and Visa U.S.A. Inc., Defendants; May 28, 2004.
Written Opinion from corresponding Singapore Application 2007/01817-9, mailed Jun. 23, 2008.
Zhou et al., "A Fair Non-Repudiation Protocol," May 6-8, 1996, 1996 IEEE Symposium on Security and Privacy, pp. 55-61 Oaldand, CA.

Cited By (428)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11551211B1 (en) * 1999-06-18 2023-01-10 Stripe, Inc. Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account
US20090210293A1 (en) * 2000-08-04 2009-08-20 Nick Steele Information transactions over a network
US8566248B1 (en) 2000-08-04 2013-10-22 Grdn. Net Solutions, Llc Initiation of an information transaction over a network via a wireless device
US8260806B2 (en) 2000-08-04 2012-09-04 Grdn. Net Solutions, Llc Storage, management and distribution of consumer information
US9928508B2 (en) 2000-08-04 2018-03-27 Intellectual Ventures I Llc Single sign-on for access to a central data repository
US20080082454A1 (en) * 2000-09-20 2008-04-03 Cashedge, Inc. Method and Apparatus for Managing Transactions
US8255336B2 (en) * 2000-09-20 2012-08-28 Cashedge, Inc. Method and apparatus for managing transactions
US8249983B2 (en) 2000-09-20 2012-08-21 Cashedge, Inc. Method and apparatus for managing transactions
US20020091635A1 (en) * 2000-09-20 2002-07-11 Venkatachari Dilip Method and apparatus for managing transactions
US9769134B2 (en) 2002-04-17 2017-09-19 Visa International Service Association Mobile account authentication service
US9400589B1 (en) 2002-05-30 2016-07-26 Consumerinfo.Com, Inc. Circular rotational interface for display of consumer credit information
US9710852B1 (en) 2002-05-30 2017-07-18 Consumerinfo.Com, Inc. Credit report timeline user interface
US10679453B2 (en) * 2002-09-10 2020-06-09 Visa International Service Association Data authentication and provisioning method and system
US8781953B2 (en) 2003-03-21 2014-07-15 Consumerinfo.Com, Inc. Card management system and method
US9398020B2 (en) 2004-06-16 2016-07-19 Callahan Cellular L.L.C. Graduated authentication in an identity management system
US9245266B2 (en) * 2004-06-16 2016-01-26 Callahan Cellular L.L.C. Auditable privacy policies in a distributed hierarchical identity management system
US10298594B2 (en) 2004-06-16 2019-05-21 Callahan Cellular L.L.C. Graduated authentication in an identity management system
US10567391B2 (en) 2004-06-16 2020-02-18 Callahan Cellular L.L.C. Graduated authentication in an identity management system
US8959652B2 (en) 2004-06-16 2015-02-17 Dormarke Assets Limited Liability Company Graduated authentication in an identity management system
US8504704B2 (en) 2004-06-16 2013-08-06 Dormarke Assets Limited Liability Company Distributed contact information management
US11824869B2 (en) 2004-06-16 2023-11-21 Callahan Cellular L.L.C. Graduated authentication in an identity management system
US10904262B2 (en) 2004-06-16 2021-01-26 Callahan Cellular L.L.C. Graduated authentication in an identity management system
US8527752B2 (en) 2004-06-16 2013-09-03 Dormarke Assets Limited Liability Graduated authentication in an identity management system
US20050283443A1 (en) * 2004-06-16 2005-12-22 Hardt Dick C Auditable privacy policies in a distributed hierarchical identity management system
US11861756B1 (en) 2004-09-22 2024-01-02 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US10586279B1 (en) 2004-09-22 2020-03-10 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11373261B1 (en) 2004-09-22 2022-06-28 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US11562457B2 (en) 2004-09-22 2023-01-24 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US20080046988A1 (en) * 2004-10-20 2008-02-21 Salt Group Pty Ltd Authentication Method
US8752125B2 (en) * 2004-10-20 2014-06-10 Salt Group Pty Ltd Authentication method
US8175889B1 (en) 2005-04-06 2012-05-08 Experian Information Solutions, Inc. Systems and methods for tracking changes of address based on service disconnect/connect data
US20120323735A1 (en) * 2005-09-28 2012-12-20 Saf-T-Pay, Inc. Payment system and clearinghouse of internet transactions
US10121194B1 (en) 2006-10-05 2018-11-06 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US11631129B1 (en) 2006-10-05 2023-04-18 Experian Information Solutions, Inc System and method for generating a finance attribute from tradeline data
US11954731B2 (en) 2006-10-05 2024-04-09 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US9563916B1 (en) 2006-10-05 2017-02-07 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US10963961B1 (en) 2006-10-05 2021-03-30 Experian Information Solutions, Inc. System and method for generating a finance attribute from tradeline data
US20080091859A1 (en) * 2006-10-17 2008-04-17 Hon Hai Precision Industry Co., Ltd. Test Method for verifying installation validity of a PCI device on an electronic device
US11106677B2 (en) 2006-11-28 2021-08-31 Lmb Mortgage Services, Inc. System and method of removing duplicate user records
US10977675B2 (en) 2006-12-04 2021-04-13 Lmb Mortgage Services, Inc. System and method of enhancing leads
US10255610B1 (en) 2006-12-04 2019-04-09 Lmb Mortgage Services, Inc. System and method of enhancing leads
US8214262B1 (en) 2006-12-04 2012-07-03 Lower My Bills, Inc. System and method of enhancing leads
US11908005B2 (en) 2007-01-31 2024-02-20 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10891691B2 (en) 2007-01-31 2021-01-12 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10650449B2 (en) 2007-01-31 2020-05-12 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US9508092B1 (en) 2007-01-31 2016-11-29 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US11443373B2 (en) 2007-01-31 2022-09-13 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10692105B1 (en) 2007-01-31 2020-06-23 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US11803873B1 (en) 2007-01-31 2023-10-31 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US11176570B1 (en) 2007-01-31 2021-11-16 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US9916596B1 (en) 2007-01-31 2018-03-13 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US10078868B1 (en) 2007-01-31 2018-09-18 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US10311466B1 (en) 2007-01-31 2019-06-04 Experian Information Solutions, Inc. Systems and methods for providing a direct marketing campaign planning environment
US10402901B2 (en) 2007-01-31 2019-09-03 Experian Information Solutions, Inc. System and method for providing an aggregation tool
US20180053167A1 (en) * 2007-02-22 2018-02-22 First Data Corporation Processing of financial transactions using debit networks
US20080208759A1 (en) * 2007-02-22 2008-08-28 First Data Corporation Processing of financial transactions using debit networks
US9846866B2 (en) * 2007-02-22 2017-12-19 First Data Corporation Processing of financial transactions using debit networks
US20080229430A1 (en) * 2007-03-15 2008-09-18 Kargman James B Method for preventing prank orders for internet purchasing
US8156543B2 (en) 2007-04-17 2012-04-10 Visa U.S.A. Method and system for authenticating a party to a transaction
US20100153272A1 (en) * 2007-04-17 2010-06-17 David Wentker Mobile device initiated transaction
US20090325542A1 (en) * 2007-04-17 2009-12-31 David Wentker Method and system for authenticating a party to a transaction
US9160741B2 (en) 2007-04-17 2015-10-13 Visa U.S.A. Inc. Remote authentication system
US20090037982A1 (en) * 2007-04-17 2009-02-05 David Wentker Method and system for authenticating a party to a transaction
US8918637B2 (en) 2007-04-17 2014-12-23 Visa U.S.A. Inc. Remote authentication system
US8631231B2 (en) 2007-04-17 2014-01-14 Visa U.S.A. Inc. Mobile device initiated transaction
US20080289022A1 (en) * 2007-05-14 2008-11-20 Chiu Yeong-How Internet business security system
US9251541B2 (en) 2007-05-25 2016-02-02 Experian Information Solutions, Inc. System and method for automated detection of never-pay data sets
US8364588B2 (en) 2007-05-25 2013-01-29 Experian Information Solutions, Inc. System and method for automated detection of never-pay data sets
US9767513B1 (en) 2007-12-14 2017-09-19 Consumerinfo.Com, Inc. Card registry systems and methods
US10614519B2 (en) 2007-12-14 2020-04-07 Consumerinfo.Com, Inc. Card registry systems and methods
US10262364B2 (en) 2007-12-14 2019-04-16 Consumerinfo.Com, Inc. Card registry systems and methods
US10878499B2 (en) 2007-12-14 2020-12-29 Consumerinfo.Com, Inc. Card registry systems and methods
US8464939B1 (en) 2007-12-14 2013-06-18 Consumerinfo.Com, Inc. Card registry systems and methods
US12067617B1 (en) 2007-12-14 2024-08-20 Consumerinfo.Com, Inc. Card registry systems and methods
US9542682B1 (en) 2007-12-14 2017-01-10 Consumerinfo.Com, Inc. Card registry systems and methods
US11379916B1 (en) 2007-12-14 2022-07-05 Consumerinfo.Com, Inc. Card registry systems and methods
US9230283B1 (en) 2007-12-14 2016-01-05 Consumerinfo.Com, Inc. Card registry systems and methods
US10373198B1 (en) 2008-06-13 2019-08-06 Lmb Mortgage Services, Inc. System and method of generating existing customer leads
US10565617B2 (en) 2008-06-13 2020-02-18 Lmb Mortgage Services, Inc. System and method of generating existing customer leads
US11704693B2 (en) 2008-06-13 2023-07-18 Lmb Mortgage Services, Inc. System and method of generating existing customer leads
US10075446B2 (en) 2008-06-26 2018-09-11 Experian Marketing Solutions, Inc. Systems and methods for providing an integrated identifier
US11769112B2 (en) 2008-06-26 2023-09-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US11157872B2 (en) 2008-06-26 2021-10-26 Experian Marketing Solutions, Llc Systems and methods for providing an integrated identifier
US9305292B1 (en) * 2008-07-03 2016-04-05 Jpmorgan Chase Bank, N.A. Systems and methods for providing an adaptable transponder device
US7991689B1 (en) 2008-07-23 2011-08-02 Experian Information Solutions, Inc. Systems and methods for detecting bust out fraud using credit data
US8001042B1 (en) 2008-07-23 2011-08-16 Experian Information Solutions, Inc. Systems and methods for detecting bust out fraud using credit data
US9489694B2 (en) 2008-08-14 2016-11-08 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US10650448B1 (en) 2008-08-14 2020-05-12 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US11636540B1 (en) 2008-08-14 2023-04-25 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US9256904B1 (en) 2008-08-14 2016-02-09 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US10115155B1 (en) 2008-08-14 2018-10-30 Experian Information Solution, Inc. Multi-bureau credit file freeze and unfreeze
US9792648B1 (en) 2008-08-14 2017-10-17 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US11004147B1 (en) 2008-08-14 2021-05-11 Experian Information Solutions, Inc. Multi-bureau credit file freeze and unfreeze
US10621657B2 (en) 2008-11-05 2020-04-14 Consumerinfo.Com, Inc. Systems and methods of credit information reporting
US20100180326A1 (en) * 2009-01-15 2010-07-15 Sheets John F Secure remote authentication through an untrusted network
US8516560B2 (en) 2009-01-15 2013-08-20 John F. Sheets Secure remote authentication through an untrusted network
US8826397B2 (en) * 2009-01-15 2014-09-02 Visa International Service Association Secure remote authentication through an untrusted network
US20100180327A1 (en) * 2009-01-15 2010-07-15 Sheets John F Secure remote authentication through an untrusted network
US12086787B2 (en) 2009-05-15 2024-09-10 Visa International Service Association Integration of verification tokens with mobile communication devices
US20100317318A1 (en) * 2009-06-10 2010-12-16 Carter Ronald D Methods and apparatus for providing pre-paid payment capability on mobile telephone
US20110055077A1 (en) * 2009-09-02 2011-03-03 Susan French Portable consumer device with funds transfer processing
US20110137803A1 (en) * 2009-12-03 2011-06-09 Symbol Technologies, Inc. Secure electronic receipt systems and methods
US10535044B2 (en) * 2010-01-08 2020-01-14 Intuit Inc. Authentication of transactions in a network
US20110173124A1 (en) * 2010-01-08 2011-07-14 Intuit Inc. Authentication of transactions in a network
US20110178925A1 (en) * 2010-01-19 2011-07-21 Mike Lindelsee Token Based Transaction Authentication
US8924301B2 (en) 2010-01-19 2014-12-30 Visa International Service Association Token based transaction authentication
US9582799B2 (en) 2010-01-19 2017-02-28 Visa International Service Association Token based transaction authentication
US8346666B2 (en) 2010-01-19 2013-01-01 Visa Intellectual Service Association Token based transaction authentication
US20110191210A1 (en) * 2010-01-29 2011-08-04 Bank Of America Corporation Online financial institution profile electronic checkout
US8386327B2 (en) * 2010-01-29 2013-02-26 Bank Of America Corporation Online financial institution profile electronic checkout
US20110196724A1 (en) * 2010-02-09 2011-08-11 Charles Stanley Fenton Consumer-oriented commerce facilitation services, applications, and devices
US9652802B1 (en) 2010-03-24 2017-05-16 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US10909617B2 (en) 2010-03-24 2021-02-02 Consumerinfo.Com, Inc. Indirect monitoring and reporting of a user's credit data
US8620810B2 (en) 2010-04-02 2013-12-31 Isignthis Ltd. Methods and systems for verifying transactions
US10089630B2 (en) 2010-04-23 2018-10-02 Visa U.S.A. Inc. Systems and methods to provide offers to travelers
US9471926B2 (en) 2010-04-23 2016-10-18 Visa U.S.A. Inc. Systems and methods to provide offers to travelers
US11430009B2 (en) 2010-04-30 2022-08-30 Lmb Mortgage Services, Inc. System and method of optimizing matching of leads
US10453093B1 (en) 2010-04-30 2019-10-22 Lmb Mortgage Services, Inc. System and method of optimizing matching of leads
US11348150B2 (en) * 2010-06-21 2022-05-31 Paypal, Inc. Systems and methods for facilitating card verification over a network
US20110313898A1 (en) * 2010-06-21 2011-12-22 Ebay Inc. Systems and methods for facitiating card verification over a network
US8744956B1 (en) 2010-07-01 2014-06-03 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US8931058B2 (en) 2010-07-01 2015-01-06 Experian Information Solutions, Inc. Systems and methods for permission arbitrated transaction services
US9760905B2 (en) 2010-08-02 2017-09-12 Visa International Service Association Systems and methods to optimize media presentations using a camera
US10430823B2 (en) 2010-08-02 2019-10-01 Visa International Service Association Systems and methods to optimize media presentations using a camera
US11455678B2 (en) 2010-08-06 2022-09-27 Dkr Consulting Llc System and method for distributable e-commerce product listings
US11651421B2 (en) 2010-08-06 2023-05-16 Dkr Consulting Llc System and method for facilitating social shopping
US11157995B2 (en) 2010-08-06 2021-10-26 Dkr Consulting Llc System and method for generating and distributing embeddable electronic commerce stores
US11900446B2 (en) 2010-08-06 2024-02-13 Dkr Consulting Llc System and method for facilitating social shopping
US11488237B2 (en) 2010-08-06 2022-11-01 Dkr Consulting Llc System and method for facilitating social shopping
US10460319B2 (en) 2010-08-12 2019-10-29 Mastercard International Incorporated Multi-commerce channel wallet for authenticated transactions
US10769632B2 (en) 2010-08-12 2020-09-08 Mastercard International Incorporated Multi-commerce channel wallet for authenticated transactions
US8782217B1 (en) 2010-11-10 2014-07-15 Safetyweb, Inc. Online identity management
US9147042B1 (en) 2010-11-22 2015-09-29 Experian Information Solutions, Inc. Systems and methods for data verification
US9684905B1 (en) 2010-11-22 2017-06-20 Experian Information Solutions, Inc. Systems and methods for data verification
US8725644B2 (en) * 2011-01-28 2014-05-13 The Active Network, Inc. Secure online transaction processing
US20120197807A1 (en) * 2011-01-28 2012-08-02 Joshua Schlesser Secure online transaction processing
US10593004B2 (en) 2011-02-18 2020-03-17 Csidentity Corporation System and methods for identifying compromised personally identifiable information on the internet
US9665854B1 (en) 2011-06-16 2017-05-30 Consumerinfo.Com, Inc. Authentication alerts
US11954655B1 (en) 2011-06-16 2024-04-09 Consumerinfo.Com, Inc. Authentication alerts
US10115079B1 (en) 2011-06-16 2018-10-30 Consumerinfo.Com, Inc. Authentication alerts
US10685336B1 (en) 2011-06-16 2020-06-16 Consumerinfo.Com, Inc. Authentication alerts
US11232413B1 (en) 2011-06-16 2022-01-25 Consumerinfo.Com, Inc. Authentication alerts
US9607336B1 (en) 2011-06-16 2017-03-28 Consumerinfo.Com, Inc. Providing credit inquiry alerts
US10719873B1 (en) 2011-06-16 2020-07-21 Consumerinfo.Com, Inc. Providing credit inquiry alerts
US11665253B1 (en) 2011-07-08 2023-05-30 Consumerinfo.Com, Inc. LifeScore
US10176233B1 (en) 2011-07-08 2019-01-08 Consumerinfo.Com, Inc. Lifescore
US10798197B2 (en) 2011-07-08 2020-10-06 Consumerinfo.Com, Inc. Lifescore
US11790112B1 (en) 2011-09-16 2023-10-17 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US11087022B2 (en) 2011-09-16 2021-08-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US10642999B2 (en) 2011-09-16 2020-05-05 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US9542553B1 (en) 2011-09-16 2017-01-10 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US10061936B1 (en) 2011-09-16 2018-08-28 Consumerinfo.Com, Inc. Systems and methods of identity protection and management
US12014416B1 (en) 2011-10-13 2024-06-18 Consumerinfo.Com, Inc. Debt services candidate locator
US9536263B1 (en) 2011-10-13 2017-01-03 Consumerinfo.Com, Inc. Debt services candidate locator
US9972048B1 (en) 2011-10-13 2018-05-15 Consumerinfo.Com, Inc. Debt services candidate locator
US11200620B2 (en) 2011-10-13 2021-12-14 Consumerinfo.Com, Inc. Debt services candidate locator
US11568348B1 (en) 2011-10-31 2023-01-31 Consumerinfo.Com, Inc. Pre-data breach monitoring
US12045755B1 (en) 2011-10-31 2024-07-23 Consumerinfo.Com, Inc. Pre-data breach monitoring
US11030562B1 (en) 2011-10-31 2021-06-08 Consumerinfo.Com, Inc. Pre-data breach monitoring
US8682786B2 (en) * 2012-01-21 2014-03-25 Broaddeep (Beijing) Network Technology Co., Ltd. Method and system for payment based on correlation between product specific information and terminal numbers
US11995633B2 (en) 2012-03-06 2024-05-28 Visa International Service Association Security system incorporating mobile device
US11356430B1 (en) 2012-05-07 2022-06-07 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US9853959B1 (en) 2012-05-07 2017-12-26 Consumerinfo.Com, Inc. Storage and maintenance of personal data
US10277659B1 (en) 2012-11-12 2019-04-30 Consumerinfo.Com, Inc. Aggregating user web browsing data
US11012491B1 (en) 2012-11-12 2021-05-18 ConsumerInfor.com, Inc. Aggregating user web browsing data
US11863310B1 (en) 2012-11-12 2024-01-02 Consumerinfo.Com, Inc. Aggregating user web browsing data
US9654541B1 (en) 2012-11-12 2017-05-16 Consumerinfo.Com, Inc. Aggregating user web browsing data
US8856894B1 (en) 2012-11-28 2014-10-07 Consumerinfo.Com, Inc. Always on authentication
US12020322B1 (en) 2012-11-30 2024-06-25 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US10366450B1 (en) 2012-11-30 2019-07-30 Consumerinfo.Com, Inc. Credit data analysis
US11308551B1 (en) 2012-11-30 2022-04-19 Consumerinfo.Com, Inc. Credit data analysis
US11651426B1 (en) 2012-11-30 2023-05-16 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US9830646B1 (en) 2012-11-30 2017-11-28 Consumerinfo.Com, Inc. Credit score goals and alerts systems and methods
US11132742B1 (en) 2012-11-30 2021-09-28 Consumerlnfo.com, Inc. Credit score goals and alerts systems and methods
US10963959B2 (en) 2012-11-30 2021-03-30 Consumerinfo. Com, Inc. Presentation of credit score factors
US10255598B1 (en) 2012-12-06 2019-04-09 Consumerinfo.Com, Inc. Credit card account data extraction
US10521794B2 (en) 2012-12-10 2019-12-31 Visa International Service Association Authenticating remote transactions using a mobile device
US11978051B2 (en) 2012-12-10 2024-05-07 Visa International Service Association Authenticating remote transactions using a mobile device
US10360627B2 (en) * 2012-12-13 2019-07-23 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US11132744B2 (en) 2012-12-13 2021-09-28 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US11900449B2 (en) 2012-12-13 2024-02-13 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US20140172660A1 (en) * 2012-12-13 2014-06-19 Visa International Service Association Systems and methods to provide account features via web based user interfaces
US9697568B1 (en) 2013-03-14 2017-07-04 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9406085B1 (en) 2013-03-14 2016-08-02 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US11113759B1 (en) 2013-03-14 2021-09-07 Consumerinfo.Com, Inc. Account vulnerability alerts
US12020320B1 (en) 2013-03-14 2024-06-25 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10929925B1 (en) 2013-03-14 2021-02-23 Consumerlnfo.com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9870589B1 (en) 2013-03-14 2018-01-16 Consumerinfo.Com, Inc. Credit utilization tracking and reporting
US10592982B2 (en) 2013-03-14 2020-03-17 Csidentity Corporation System and method for identifying related credit inquiries
US10043214B1 (en) 2013-03-14 2018-08-07 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US10102570B1 (en) 2013-03-14 2018-10-16 Consumerinfo.Com, Inc. Account vulnerability alerts
US11769200B1 (en) 2013-03-14 2023-09-26 Consumerinfo.Com, Inc. Account vulnerability alerts
US11514519B1 (en) 2013-03-14 2022-11-29 Consumerinfo.Com, Inc. System and methods for credit dispute processing, resolution, and reporting
US9633322B1 (en) 2013-03-15 2017-04-25 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US10169761B1 (en) 2013-03-15 2019-01-01 ConsumerInfo.com Inc. Adjustment of knowledge-based authentication
US11288677B1 (en) 2013-03-15 2022-03-29 Consumerlnfo.com, Inc. Adjustment of knowledge-based authentication
US10740762B2 (en) 2013-03-15 2020-08-11 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US11790473B2 (en) 2013-03-15 2023-10-17 Csidentity Corporation Systems and methods of delayed authentication and billing for on-demand products
US11164271B2 (en) 2013-03-15 2021-11-02 Csidentity Corporation Systems and methods of delayed authentication and billing for on-demand products
US10664936B2 (en) 2013-03-15 2020-05-26 Csidentity Corporation Authentication systems and methods for on-demand products
US11775979B1 (en) 2013-03-15 2023-10-03 Consumerinfo.Com, Inc. Adjustment of knowledge-based authentication
US10685398B1 (en) 2013-04-23 2020-06-16 Consumerinfo.Com, Inc. Presenting credit score information
US10453159B2 (en) 2013-05-23 2019-10-22 Consumerinfo.Com, Inc. Digital identity
US11803929B1 (en) 2013-05-23 2023-10-31 Consumerinfo.Com, Inc. Digital identity
US9721147B1 (en) 2013-05-23 2017-08-01 Consumerinfo.Com, Inc. Digital identity
US11120519B2 (en) 2013-05-23 2021-09-14 Consumerinfo.Com, Inc. Digital identity
US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
US10269065B1 (en) 2013-11-15 2019-04-23 Consumerinfo.Com, Inc. Bill payment and reporting
US10325314B1 (en) 2013-11-15 2019-06-18 Consumerinfo.Com, Inc. Payment reporting systems
US11461364B1 (en) 2013-11-20 2022-10-04 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10025842B1 (en) 2013-11-20 2018-07-17 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US9477737B1 (en) 2013-11-20 2016-10-25 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US10628448B1 (en) 2013-11-20 2020-04-21 Consumerinfo.Com, Inc. Systems and user interfaces for dynamic access of multiple remote databases and synchronization of data based on user rules
US11107158B1 (en) 2014-02-14 2021-08-31 Experian Information Solutions, Inc. Automatic generation of code for attributes
US10262362B1 (en) 2014-02-14 2019-04-16 Experian Information Solutions, Inc. Automatic generation of code for attributes
US11847693B1 (en) 2014-02-14 2023-12-19 Experian Information Solutions, Inc. Automatic generation of code for attributes
USD760256S1 (en) 2014-03-25 2016-06-28 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759690S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
USD759689S1 (en) 2014-03-25 2016-06-21 Consumerinfo.Com, Inc. Display screen or portion thereof with graphical user interface
US10482532B1 (en) 2014-04-16 2019-11-19 Consumerinfo.Com, Inc. Providing credit data in search results
US9892457B1 (en) 2014-04-16 2018-02-13 Consumerinfo.Com, Inc. Providing credit data in search results
US11587150B1 (en) 2014-04-25 2023-02-21 Csidentity Corporation Systems and methods for eligibility verification
US10373240B1 (en) 2014-04-25 2019-08-06 Csidentity Corporation Systems, methods and computer-program products for eligibility verification
US11074641B1 (en) 2014-04-25 2021-07-27 Csidentity Corporation Systems, methods and computer-program products for eligibility verification
US10339527B1 (en) 2014-10-31 2019-07-02 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US11436606B1 (en) 2014-10-31 2022-09-06 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US11941635B1 (en) 2014-10-31 2024-03-26 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US10990979B1 (en) 2014-10-31 2021-04-27 Experian Information Solutions, Inc. System and architecture for electronic fraud detection
US9875468B2 (en) * 2014-11-26 2018-01-23 Buy It Mobility Networks Inc. Intelligent authentication process
US10445152B1 (en) 2014-12-19 2019-10-15 Experian Information Solutions, Inc. Systems and methods for dynamic report generation based on automatic modeling of complex data structures
US11010345B1 (en) 2014-12-19 2021-05-18 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US10242019B1 (en) 2014-12-19 2019-03-26 Experian Information Solutions, Inc. User behavior segmentation using latent topic detection
US11475447B2 (en) * 2015-03-06 2022-10-18 Mastercard International Incorporated Secure mobile remote payments
US20160260084A1 (en) * 2015-03-06 2016-09-08 Mastercard International Incorporated Secure mobile remote payments
US11107076B1 (en) * 2015-05-22 2021-08-31 Intuit, Inc. Automatic transaction-based verification of account ownership
US11663592B2 (en) 2015-05-22 2023-05-30 Intuti, Inc. Automatic transaction-based verification of account ownership
US12099940B1 (en) 2015-07-02 2024-09-24 Experian Information Solutions, Inc. Behavior analysis using distributed representations of event data
US11151468B1 (en) 2015-07-02 2021-10-19 Experian Information Solutions, Inc. Behavior analysis using distributed representations of event data
US10069958B1 (en) 2017-07-20 2018-09-04 Bank Of America Corporation Dynamic mobile authorization advancement system
US11580259B1 (en) 2017-09-28 2023-02-14 Csidentity Corporation Identity security architecture systems and methods
US11157650B1 (en) 2017-09-28 2021-10-26 Csidentity Corporation Identity security architecture systems and methods
US10699028B1 (en) 2017-09-28 2020-06-30 Csidentity Corporation Identity security architecture systems and methods
US10896472B1 (en) 2017-11-14 2021-01-19 Csidentity Corporation Security and identity verification system and architecture
US10878651B2 (en) 2018-06-21 2020-12-29 Capital One Services, Llc Systems and methods for secure read-only authentication
US10546444B2 (en) 2018-06-21 2020-01-28 Capital One Services, Llc Systems and methods for secure read-only authentication
US10911234B2 (en) 2018-06-22 2021-02-02 Experian Information Solutions, Inc. System and method for a token gateway environment
US11588639B2 (en) 2018-06-22 2023-02-21 Experian Information Solutions, Inc. System and method for a token gateway environment
US11399029B2 (en) 2018-09-05 2022-07-26 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11265324B2 (en) 2018-09-05 2022-03-01 Consumerinfo.Com, Inc. User permissions for access to secure data at third-party
US12074876B2 (en) 2018-09-05 2024-08-27 Consumerinfo.Com, Inc. Authenticated access and aggregation database platform
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US10671749B2 (en) 2018-09-05 2020-06-02 Consumerinfo.Com, Inc. Authenticated access and aggregation database platform
US11469898B2 (en) 2018-10-02 2022-10-11 Capital One Services, Llc Systems and methods for message presentation using contactless cards
US11610195B2 (en) 2018-10-02 2023-03-21 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12112322B2 (en) 2018-10-02 2024-10-08 Capital One Services, Llc Systems and methods for user authorization and access to services using contactless cards
US11102007B2 (en) 2018-10-02 2021-08-24 Capital One Services, Llc Contactless card emulation system and method
US12106341B2 (en) 2018-10-02 2024-10-01 Capital One Services, Llc Systems and methods for establishing identity for order pick up
US12079798B2 (en) 2018-10-02 2024-09-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12081582B2 (en) 2018-10-02 2024-09-03 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US12069178B2 (en) 2018-10-02 2024-08-20 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12056692B2 (en) 2018-10-02 2024-08-06 Capital One Services, Llc Systems and methods for secure transaction approval
US12056560B2 (en) 2018-10-02 2024-08-06 Capital One Services, Llc Systems and methods for contactless card applet communication
US10489781B1 (en) 2018-10-02 2019-11-26 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11129019B2 (en) 2018-10-02 2021-09-21 Capital One Services, Llc Systems and methods for performing transactions with contactless cards
US12026707B2 (en) 2018-10-02 2024-07-02 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10992477B2 (en) 2018-10-02 2021-04-27 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11144915B2 (en) 2018-10-02 2021-10-12 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards using risk factors
US10505738B1 (en) 2018-10-02 2019-12-10 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12008558B2 (en) 2018-10-02 2024-06-11 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US12010238B2 (en) 2018-10-02 2024-06-11 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10965465B2 (en) 2018-10-02 2021-03-30 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10949520B2 (en) 2018-10-02 2021-03-16 Capital One Services, Llc Systems and methods for cross coupling risk analytics and one-time-passcodes
US12003490B2 (en) 2018-10-02 2024-06-04 Capital One Services, Llc Systems and methods for card information management
US11997208B2 (en) 2018-10-02 2024-05-28 Capital One Services, Llc Systems and methods for inventory management using cryptographic authentication of contactless cards
US11182785B2 (en) 2018-10-02 2021-11-23 Capital One Services, Llc Systems and methods for authorization and access to services using contactless cards
US11182784B2 (en) 2018-10-02 2021-11-23 Capital One Services, Llc Systems and methods for performing transactions with contactless cards
US11989724B2 (en) 2018-10-02 2024-05-21 Capital One Services Llc Systems and methods for cryptographic authentication of contactless cards using risk factors
US11195174B2 (en) 2018-10-02 2021-12-07 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10511443B1 (en) 2018-10-02 2019-12-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11974127B2 (en) 2018-10-02 2024-04-30 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11924188B2 (en) 2018-10-02 2024-03-05 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11210664B2 (en) 2018-10-02 2021-12-28 Capital One Services, Llc Systems and methods for amplifying the strength of cryptographic algorithms
US10542036B1 (en) 2018-10-02 2020-01-21 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US10554411B1 (en) 2018-10-02 2020-02-04 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11233645B2 (en) 2018-10-02 2022-01-25 Capital One Services, Llc Systems and methods of key selection for cryptographic authentication of contactless cards
US10909527B2 (en) 2018-10-02 2021-02-02 Capital One Services, Llc Systems and methods for performing a reissue of a contactless card
US11232272B2 (en) 2018-10-02 2022-01-25 Capital One Services, Llc Systems and methods for contactless card applet communication
US10565587B1 (en) 2018-10-02 2020-02-18 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10582386B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10581611B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11843700B2 (en) 2018-10-02 2023-12-12 Capital One Services, Llc Systems and methods for email-based card activation
US11843698B2 (en) 2018-10-02 2023-12-12 Capital One Services, Llc Systems and methods of key selection for cryptographic authentication of contactless cards
US11297046B2 (en) 2018-10-02 2022-04-05 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11301848B2 (en) 2018-10-02 2022-04-12 Capital One Services, Llc Systems and methods for secure transaction approval
US10887106B2 (en) 2018-10-02 2021-01-05 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10579998B1 (en) 2018-10-02 2020-03-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11321546B2 (en) 2018-10-02 2022-05-03 Capital One Services, Llc Systems and methods data transmission using contactless cards
US11336454B2 (en) 2018-10-02 2022-05-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11341480B2 (en) 2018-10-02 2022-05-24 Capital One Services, Llc Systems and methods for phone-based card activation
US10880327B2 (en) 2018-10-02 2020-12-29 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US11349667B2 (en) 2018-10-02 2022-05-31 Capital One Services, Llc Systems and methods for inventory management using cryptographic authentication of contactless cards
US10592710B1 (en) 2018-10-02 2020-03-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10607216B1 (en) 2018-10-02 2020-03-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11804964B2 (en) 2018-10-02 2023-10-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10607214B1 (en) 2018-10-02 2020-03-31 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11790187B2 (en) 2018-10-02 2023-10-17 Capital One Services, Llc Systems and methods for data transmission using contactless cards
US10615981B1 (en) 2018-10-02 2020-04-07 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11784820B2 (en) 2018-10-02 2023-10-10 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10860814B2 (en) 2018-10-02 2020-12-08 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11423452B2 (en) 2018-10-02 2022-08-23 Capital One Services, Llc Systems and methods for establishing identity for order pick up
US10623393B1 (en) 2018-10-02 2020-04-14 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10630653B1 (en) 2018-10-02 2020-04-21 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11438311B2 (en) 2018-10-02 2022-09-06 Capital One Services, Llc Systems and methods for card information management
US11438164B2 (en) 2018-10-02 2022-09-06 Capital One Services, Llc Systems and methods for email-based card activation
US11770254B2 (en) 2018-10-02 2023-09-26 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10841091B2 (en) 2018-10-02 2020-11-17 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11444775B2 (en) 2018-10-02 2022-09-13 Capital One Services, Llc Systems and methods for content management using contactless cards
US11728994B2 (en) 2018-10-02 2023-08-15 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11699047B2 (en) 2018-10-02 2023-07-11 Capital One Services, Llc Systems and methods for contactless card applet communication
US11456873B2 (en) 2018-10-02 2022-09-27 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10680824B2 (en) 2018-10-02 2020-06-09 Capital One Services, Llc Systems and methods for inventory management using cryptographic authentication of contactless cards
US10797882B2 (en) 2018-10-02 2020-10-06 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11658997B2 (en) 2018-10-02 2023-05-23 Capital One Services, Llc Systems and methods for signaling an attack on contactless cards
US10783519B2 (en) 2018-10-02 2020-09-22 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10685350B2 (en) 2018-10-02 2020-06-16 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10778437B2 (en) 2018-10-02 2020-09-15 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11502844B2 (en) 2018-10-02 2022-11-15 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10771254B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for email-based card activation
US10686603B2 (en) 2018-10-02 2020-06-16 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10733645B2 (en) 2018-10-02 2020-08-04 Capital One Services, Llc Systems and methods for establishing identity for order pick up
US11544707B2 (en) 2018-10-02 2023-01-03 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10771253B2 (en) 2018-10-02 2020-09-08 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US10748138B2 (en) 2018-10-02 2020-08-18 Capital One Services, Llc Systems and methods for cryptographic authentication of contactless cards
US11563583B2 (en) 2018-10-02 2023-01-24 Capital One Services, Llc Systems and methods for content management using contactless cards
US11315179B1 (en) 2018-11-16 2022-04-26 Consumerinfo.Com, Inc. Methods and apparatuses for customized card recommendations
US11361302B2 (en) 2019-01-11 2022-06-14 Capital One Services, Llc Systems and methods for touch screen interface interaction using a card overlay
US11037136B2 (en) 2019-01-24 2021-06-15 Capital One Services, Llc Tap to autofill card data
US10510074B1 (en) 2019-02-01 2019-12-17 Capital One Services, Llc One-tap payment using a contactless card
US10467622B1 (en) 2019-02-01 2019-11-05 Capital One Services, Llc Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms
US11120453B2 (en) 2019-02-01 2021-09-14 Capital One Services, Llc Tap card to securely generate card data to copy to clipboard
US11842454B1 (en) 2019-02-22 2023-12-12 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US11238656B1 (en) 2019-02-22 2022-02-01 Consumerinfo.Com, Inc. System and method for an augmented reality experience via an artificial intelligence bot
US10425129B1 (en) 2019-02-27 2019-09-24 Capital One Services, Llc Techniques to reduce power consumption in near field communication systems
US11082229B2 (en) 2019-03-18 2021-08-03 Capital One Services, Llc System and method for pre-authentication of customer support calls
US10523708B1 (en) 2019-03-18 2019-12-31 Capital One Services, Llc System and method for second factor authentication of customer support calls
US10984416B2 (en) 2019-03-20 2021-04-20 Capital One Services, Llc NFC mobile currency transfer
US10438437B1 (en) 2019-03-20 2019-10-08 Capital One Services, Llc Tap to copy data to clipboard via NFC
US10535062B1 (en) 2019-03-20 2020-01-14 Capital One Services, Llc Using a contactless card to securely share personal data stored in a blockchain
US10783736B1 (en) 2019-03-20 2020-09-22 Capital One Services, Llc Tap to copy data to clipboard via NFC
US10643420B1 (en) 2019-03-20 2020-05-05 Capital One Services, Llc Contextual tapping engine
US10970712B2 (en) 2019-03-21 2021-04-06 Capital One Services, Llc Delegated administration of permissions using a contactless card
US10467445B1 (en) 2019-03-28 2019-11-05 Capital One Services, Llc Devices and methods for contactless card alignment with a foldable mobile device
US11521262B2 (en) 2019-05-28 2022-12-06 Capital One Services, Llc NFC enhanced augmented reality information overlays
US10516447B1 (en) 2019-06-17 2019-12-24 Capital One Services, Llc Dynamic power levels in NFC card communications
US10871958B1 (en) 2019-07-03 2020-12-22 Capital One Services, Llc Techniques to perform applet programming
US11392933B2 (en) 2019-07-03 2022-07-19 Capital One Services, Llc Systems and methods for providing online and hybridcard interactions
US11694187B2 (en) 2019-07-03 2023-07-04 Capital One Services, Llc Constraining transactional capabilities for contactless cards
US12086852B2 (en) 2019-07-08 2024-09-10 Capital One Services, Llc Authenticating voice transactions with payment card
US10713649B1 (en) 2019-07-09 2020-07-14 Capital One Services, Llc System and method enabling mobile near-field communication to update display on a payment card
US10885514B1 (en) 2019-07-15 2021-01-05 Capital One Services, Llc System and method for using image data to trigger contactless card transactions
US10498401B1 (en) 2019-07-15 2019-12-03 Capital One Services, Llc System and method for guiding card positioning using phone sensors
US10733601B1 (en) 2019-07-17 2020-08-04 Capital One Services, Llc Body area network facilitated authentication or payment authorization
US11182771B2 (en) 2019-07-17 2021-11-23 Capital One Services, Llc System for value loading onto in-vehicle device
US10832271B1 (en) 2019-07-17 2020-11-10 Capital One Services, Llc Verified reviews using a contactless card
US11521213B2 (en) 2019-07-18 2022-12-06 Capital One Services, Llc Continuous authentication for digital services based on contactless card positioning
US10506426B1 (en) 2019-07-19 2019-12-10 Capital One Services, Llc Techniques for call authentication
US10541995B1 (en) 2019-07-23 2020-01-21 Capital One Services, Llc First factor contactless card authentication system and method
US11941065B1 (en) 2019-09-13 2024-03-26 Experian Information Solutions, Inc. Single identifier platform for storing entity data
US10701560B1 (en) 2019-10-02 2020-06-30 Capital One Services, Llc Client device authentication using contactless legacy magnetic stripe data
US11638148B2 (en) 2019-10-02 2023-04-25 Capital One Services, Llc Client device authentication using contactless legacy magnetic stripe data
US20230281594A1 (en) * 2019-12-23 2023-09-07 Capital One Services, Llc Authentication for third party digital wallet provisioning
US10733283B1 (en) 2019-12-23 2020-08-04 Capital One Services, Llc Secure password generation and management using NFC and contactless smart cards
US11651361B2 (en) 2019-12-23 2023-05-16 Capital One Services, Llc Secure authentication based on passport data stored in a contactless card
US10657754B1 (en) 2019-12-23 2020-05-19 Capital One Services, Llc Contactless card and personal identification system
US20210192519A1 (en) * 2019-12-23 2021-06-24 Capital One Services, Llc Authentication for third party digital wallet provisioning
US11615395B2 (en) * 2019-12-23 2023-03-28 Capital One Services, Llc Authentication for third party digital wallet provisioning
US10862540B1 (en) 2019-12-23 2020-12-08 Capital One Services, Llc Method for mapping NFC field strength and location on mobile devices
US12112310B2 (en) * 2019-12-23 2024-10-08 Capital One Services, Llc Authentication for third party digital wallet provisioning
US10885410B1 (en) 2019-12-23 2021-01-05 Capital One Services, Llc Generating barcodes utilizing cryptographic techniques
US11113685B2 (en) 2019-12-23 2021-09-07 Capital One Services, Llc Card issuing with restricted virtual numbers
US10664941B1 (en) 2019-12-24 2020-05-26 Capital One Services, Llc Steganographic image encoding of biometric template information on a card
US10853795B1 (en) 2019-12-24 2020-12-01 Capital One Services, Llc Secure authentication based on identity data stored in a contactless card
US11200563B2 (en) 2019-12-24 2021-12-14 Capital One Services, Llc Account registration using a contactless card
US10757574B1 (en) 2019-12-26 2020-08-25 Capital One Services, Llc Multi-factor authentication providing a credential via a contactless card for secure messaging
US10909544B1 (en) 2019-12-26 2021-02-02 Capital One Services, Llc Accessing and utilizing multiple loyalty point accounts
US11038688B1 (en) 2019-12-30 2021-06-15 Capital One Services, Llc Techniques to control applets for contactless cards
US11455620B2 (en) 2019-12-31 2022-09-27 Capital One Services, Llc Tapping a contactless card to a computing device to provision a virtual number
US10860914B1 (en) 2019-12-31 2020-12-08 Capital One Services, Llc Contactless card and method of assembly
US11210656B2 (en) 2020-04-13 2021-12-28 Capital One Services, Llc Determining specific terms for contactless card activation
US11562346B2 (en) 2020-04-30 2023-01-24 Capital One Services, Llc Contactless card with multiple rotating security keys
US11222342B2 (en) 2020-04-30 2022-01-11 Capital One Services, Llc Accurate images in graphical user interfaces to enable data transfer
US10861006B1 (en) 2020-04-30 2020-12-08 Capital One Services, Llc Systems and methods for data access control using a short-range transceiver
US11270291B2 (en) 2020-04-30 2022-03-08 Capital One Services, Llc Systems and methods for data access control using a short-range transceiver
US11030339B1 (en) 2020-04-30 2021-06-08 Capital One Services, Llc Systems and methods for data access control of personal user data using a short-range transceiver
US10915888B1 (en) 2020-04-30 2021-02-09 Capital One Services, Llc Contactless card with multiple rotating security keys
US11823175B2 (en) 2020-04-30 2023-11-21 Capital One Services, Llc Intelligent card unlock
US10963865B1 (en) 2020-05-12 2021-03-30 Capital One Services, Llc Augmented reality card activation experience
US11100511B1 (en) 2020-05-18 2021-08-24 Capital One Services, Llc Application-based point of sale system in mobile operating systems
US11063979B1 (en) 2020-05-18 2021-07-13 Capital One Services, Llc Enabling communications between applications in a mobile operating system
US11062098B1 (en) 2020-08-11 2021-07-13 Capital One Services, Llc Augmented reality information display and interaction via NFC based authentication
US11482312B2 (en) 2020-10-30 2022-10-25 Capital One Services, Llc Secure verification of medical status using a contactless card
US11165586B1 (en) 2020-10-30 2021-11-02 Capital One Services, Llc Call center web-based authentication using a contactless card
US11373169B2 (en) 2020-11-03 2022-06-28 Capital One Services, Llc Web-based activation of contactless cards
US11216799B1 (en) 2021-01-04 2022-01-04 Capital One Services, Llc Secure generation of one-time passcodes using a contactless card
US11682012B2 (en) 2021-01-27 2023-06-20 Capital One Services, Llc Contactless delivery systems and methods
US11792001B2 (en) 2021-01-28 2023-10-17 Capital One Services, Llc Systems and methods for secure reprovisioning
US11687930B2 (en) 2021-01-28 2023-06-27 Capital One Services, Llc Systems and methods for authentication of access tokens
US11562358B2 (en) 2021-01-28 2023-01-24 Capital One Services, Llc Systems and methods for near field contactless card communication and cryptographic authentication
US11922417B2 (en) 2021-01-28 2024-03-05 Capital One Services, Llc Systems and methods for near field contactless card communication and cryptographic authentication
US11438329B2 (en) 2021-01-29 2022-09-06 Capital One Services, Llc Systems and methods for authenticated peer-to-peer data transfer using resource locators
US11777933B2 (en) 2021-02-03 2023-10-03 Capital One Services, Llc URL-based authentication for payment cards
US11637826B2 (en) 2021-02-24 2023-04-25 Capital One Services, Llc Establishing authentication persistence
US11245438B1 (en) 2021-03-26 2022-02-08 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US11848724B2 (en) 2021-03-26 2023-12-19 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US20220311475A1 (en) 2021-03-26 2022-09-29 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US11990955B2 (en) 2021-03-26 2024-05-21 Capital One Services, Llc Network-enabled smart apparatus and systems and methods for activating and provisioning same
US11961089B2 (en) 2021-04-20 2024-04-16 Capital One Services, Llc On-demand applications to extend web services
US11935035B2 (en) 2021-04-20 2024-03-19 Capital One Services, Llc Techniques to utilize resource locators by a contactless card to perform a sequence of operations
US11902442B2 (en) 2021-04-22 2024-02-13 Capital One Services, Llc Secure management of accounts on display devices using a contactless card
US11354555B1 (en) 2021-05-04 2022-06-07 Capital One Services, Llc Methods, mediums, and systems for applying a display to a transaction card
US12041172B2 (en) 2021-06-25 2024-07-16 Capital One Services, Llc Cryptographic authentication to control access to storage devices
US12061682B2 (en) 2021-07-19 2024-08-13 Capital One Services, Llc System and method to perform digital authentication using multiple channels of communication
US12062258B2 (en) 2021-09-16 2024-08-13 Capital One Services, Llc Use of a payment card to unlock a lock
US12125027B2 (en) 2021-09-28 2024-10-22 Capital One Services, Llc Systems and methods for performing transactions with contactless cards
US12069173B2 (en) 2021-12-15 2024-08-20 Capital One Services, Llc Key recovery based on contactless card authentication
US12132837B2 (en) 2023-01-12 2024-10-29 Experian Information Solutions, Inc. System and method for a token gateway environment
US12124903B2 (en) 2023-03-16 2024-10-22 Capital One Services, Llc Card with a time-sensitive element and systems and methods for implementing the same
US12125021B2 (en) 2024-01-08 2024-10-22 Capital One Services, Llc Devices and methods for selective contactless communication

Also Published As

Publication number Publication date
EP1277180A2 (fr) 2003-01-22
US20160358175A1 (en) 2016-12-08
KR20090116813A (ko) 2009-11-11
JP5025875B2 (ja) 2012-09-12
US20020111919A1 (en) 2002-08-15
KR101015341B1 (ko) 2011-02-16
KR20100032935A (ko) 2010-03-26
US20030212642A1 (en) 2003-11-13
US20100057619A1 (en) 2010-03-04
AU2001257280C1 (en) 2009-01-15
KR100933387B1 (ko) 2009-12-22
WO2001082246A2 (fr) 2001-11-01
AU5728001A (en) 2001-11-07
US20100332393A1 (en) 2010-12-30
US20080301056A1 (en) 2008-12-04
US9864993B2 (en) 2018-01-09
US10572875B2 (en) 2020-02-25
US7991701B2 (en) 2011-08-02
WO2001082246A3 (fr) 2002-05-23
KR20030019361A (ko) 2003-03-06
US8271395B2 (en) 2012-09-18
JP2003532206A (ja) 2003-10-28
CA2407653A1 (fr) 2001-11-01
EP2278538A1 (fr) 2011-01-26
US20120323733A1 (en) 2012-12-20
US20180075452A1 (en) 2018-03-15
AU2007203383A1 (en) 2007-08-09
US20020194138A1 (en) 2002-12-19
US20120323734A1 (en) 2012-12-20
AU2007203383B2 (en) 2011-06-16

Similar Documents

Publication Publication Date Title
US20180075452A1 (en) Online payer authentication service
AU2001257280B2 (en) Online payer authentication service
US20170366530A1 (en) Mobile Account Authentication Service
AU2001257280A1 (en) Online payer authentication service

Legal Events

Date Code Title Description
AS Assignment

Owner name: VISA INTERNATIONAL SERVICE ASSOCIATION, CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:WELLER, KEVIN D.;RYAN, STEPHEN W.;HILL, PETER R.;AND OTHERS;REEL/FRAME:012421/0645;SIGNING DATES FROM 20010925 TO 20011116

Owner name: VISA INTERNATIONAL SERVICE ASSOCIATION, CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:WELLER, KEVIN D.;RYAN, STEPHEN W.;HILL, PETER R.;AND OTHERS;SIGNING DATES FROM 20010925 TO 20011116;REEL/FRAME:012421/0645

AS Assignment

Owner name: VISA INTERNATIONAL SERVICE ASSOCIATION, CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:RENO, JAMES DONALD;REEL/FRAME:022409/0485

Effective date: 20060331

STCF Information on status: patent grant

Free format text: PATENTED CASE

FPAY Fee payment

Year of fee payment: 4

MAFP Maintenance fee payment

Free format text: PAYMENT OF MAINTENANCE FEE, 8TH YEAR, LARGE ENTITY (ORIGINAL EVENT CODE: M1552)

Year of fee payment: 8

MAFP Maintenance fee payment

Free format text: PAYMENT OF MAINTENANCE FEE, 12TH YEAR, LARGE ENTITY (ORIGINAL EVENT CODE: M1553); ENTITY STATUS OF PATENT OWNER: LARGE ENTITY

Year of fee payment: 12